BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Grain Technology, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried paying off my Grain account on my app, the only way to make payments and withdraws, back in XX/XX/XXXX. I made a large payment on XX/XX/XXXX to pay off this account. I submitted the payment with the option " pay full balance. '' On XX/XX/XXXX, Grain took an auto-debit payment of {$1.00} from my bank account to make its regular payment. I saw the email and logged into my app to see I somehow have a balance of {$48.00}. I am not sure why as I made the " full balance payment '' on XX/XX/XXXX. I went ahead and decided just to pay the {$48.00} to have this account paid-in-full. I went into the payment screen on the app and hit the plus button that says " make a payment. '' Once I selected that, it showed a " Full balance '' of {$0.00} but a " Past due balance '' of {$18.00}. Now I see I was charged another {$1.00} in late fees. Not understanding why because I originally paid the entire balance in full on XX/XX/XXXX and the account is on auto-debit, so even if there was a balance it should've been automatically paid. Not willing to fight this, I tried making the payment anyway just to get it out of the way. When I went to make the payment, it wouldn't allow me because it still showed my " full balance '' of {$0.00}, so it would not let me pay on a {$0.00} balance account, but right under it shows " past due balance '' of {$18.00}, and under that shows " total balance '' of {$48.00}. But, it wouldn't let me pay the balance. I get an email XX/XX/XXXX saying " A bank transfer of {$1.00} from your XXXX XXXX XXXX CHECKING account to your Grain credit account has been initiated on XX/XX/XXXX, '' which is the email I get whenever Grain takes an auto-debit out of my account. How? My " full balance '' shows {$0.00} and I can not even pay anything on it. Then I log back into my account on XX/XX/XXXX and see interest of {$0.00} was charged and another {$1.00} in late fees because of a now {$16.00} past due balance. All I am trying to do is get this account paid in full. I contacted Grain 2 times over the past few weeks via their online contact us form inquiry and there has yet to be a response. There is no phone number to call to talk to customer service or no emails listed, only the online form inquiry. I am worried that eventually it will hit my credit report as being 30 or 60 days late when I have 0 control over it. In addition, my credit report shows my Grain account has a {$1.00} balance. Which is true? Do I actually owe {$48.00} or do I owe {$1.00}? Why do I have a past-due balance but I am on auto-debit and I can not make a regular payment myself?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I have bought a microwave from XXXX from {$510.00} which I never got delivered as I had to cancel the order. 
For many days XXXX refused to issue a refund and I opened a dispute with Citi Bank, the issuer of my credit card. 

XXXX processed a refund on XX/XX/2023 after a lot of insistence and since but since there was a dispute on going, Citi kept the money and never refunded me. They closed the dispute saying that 30 days were passed. 

Now it has been 3 months since the order and I still haven't got my money back : XXXX provided proofs that they sent the money to Citi and they won't process any additional payement. 
Citi didn't answer and I just re-opened the dispute for the third time. I need help to get out of this nightmare.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXXXXXX XXXX  XXXX XXXX Are furnishing late payments in my credit report, this is Illegal! And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without MY written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Upgrade, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The company UPGRADE is claiming I owe XXXX on a XXXX line of credit that I never had access to. My information was fraudulently taken over after I applied and changed to an address and email I never consented nor submitted. That card was being used with out my permission hence that I never received it because the card had been high jacked and redirected to foreign addresses and emails. My information was stolen. I noticed many charges were taken out of my account on the dates listed below XXXX - {$.00} XXXX - {$890.00} XXXX - {$100.00} XXXX - {$910.00} XXXX - {$96.00} XXXX - {$95.00} I called UPGRADE and my bank to file a fraudulent claim to rectify the problem. My bank refunded me all of the money after they performed their own investigation and determined it was fraud. I filed many complaints with UPGRADE who refused to remove 30 day lates off of my credit even after I had reported it fraud. They declined the fraudulent verdict and demanded I pay XXXX that I do not owe in order to remove the 30 day late off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX XX/XX/2023, Navient received a copy of paperwork that showed everything from the previous complaints I've made. They continue to call me when I established a no-call contact with Will ( Employee ID XXXX ) on XX/XX/XXXX and spoke to him about my file and the information I sent that was received on the XXXX. They have refused to look at my paperwork with everything that explains that I qualify for the XXXX settlement, yet refuses to talk about it and asks me in a message if I received paperwork for something I never asked for on the XXXX of XXXX. 

In the paperwork I established for them to look at was a letter, some credit reports, a screenshot of part of the XXXX settlement website, and my original promissory notes. I've also left some notes and highlights on certain pages to rectify certain things such as me never signing a loan for the amount given, exact words from the website about qualifying, and credit reports showing why I qualify. 

Attached is most of the evidence given to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Car Max has a XXXX XXXX XXXX i offered on their website that I applied for an had on hold for a few days. It has come to my attention that Carmax has been submitting my information to lenders with out my permission. I have received emails from two different lenders denying me credit I have never applied for. I have received a notice from santander as well as XXXX XXXX XXXX who I have never heard of in my entire life. This is once again a violation of my fifth amendment rights. Carmax has committed identity theft and has used my private information for public use. This is a violation of the Takings Clause and I do not consent to Carmax using my personal information for their benefit. I would like the CFPB to investigate this matter with a fine tooth comb and provide me all the submissions that were submitted by Carnax. The information presented to the companies are totally wrong but my social security number was used and the registered fictious name was used as well. I alledge that Carmax is committing securities fraud against my Estate and should be punished to the highest extent of the law. The disregard for my rights are evident as a representative of carmax did not consult with or discuss any intent when using my information. Infact the car I was trying to buy was in Arizona but the reports of are coming from XXXX, CA. These are two different locations of the franchise. Carmax XXXX, CA is committing Securities fraud and the SEC, XXXX, And FTC should be called into investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I would like to file a complaint regarding Chase Bank 's unwillingness to uphold the terms of its Trip Delay Reimbursement policy. [ See attachment 1 - Chase Claim Correspondence ] According to their Trip Delay Reimbursement policy [ See attachment 2 - XXXX XXXX XXXX ], Chase Bank should reimburse me for the XXXX XXXX reservation that I missed due to a trip delay caused by XXXX. 

My original flight itinerary with XXXX was scheduled to leave on XX/XX/22 at XXXX. [ See attachments 3 - Original Boarding Pass, 4 - Original Flight Itinerary ] However, XXXX had to rebook my flight last minute from XX/XX/22 at XXXX to XX/XX/22 at XXXX. [ See attachments 5 - Flight Change Itinerary, 6 - New Boarding Pass, 7 - XXXX  Flight Change Statement # 1, 8 - XXXX Flight Change Statement # 2 ] This 24 hour trip delay caused me to miss my hotel reservation with XXXX XXXX on XX/XX/22. [ See attachments 9 - XXXX  XXXX  Booking Email Confirmation, 10 - XXXX XXXX Booking Receipt ] Chase Bank 's Trip Delay Reimbursement policy states that if you get delayed for more than 6 hours, or you require an overnight stay, you and your family are covered for up to {$500.00} per ticket for reasonable expenses " including but not limited to meals, lodging, toiletries, medication, and other personal use items. '' I didn't receive XXXX XXXX 's services due to the trip delay caused by XXXX. I have reached out numerous times to Chase Bank representatives regarding honoring their policy, and acted in good faith in providing them all the information they requested. 

Since Chase Bank 's trip delay reimbursement policy covers lodging, I would like Chase Bank to reimburse my account with {$200.00} for the XXXX transactions I made with XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-11-02
Company: Mobiloans, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the attached images of the class action lawsuit which includes Mobiloans , LLC XXXX XXXX XXXX for racketeering. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX  , apparently it was reported to transunion ) and name. 
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

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