BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-23
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is FRANKLIN COLL SVC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FRANKLIN COLL SVC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809,  which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) FRANKLIN COLL SVC # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where FRANKLIN COLL SVC # XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CITIBANK, N.A.
State: CA
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 balance transfer

Complaint:
I made a Credit Card balance transfer from Citi Bank to XXXX  XXXX XXXX in XX/XX/2023 as I was trying to take advantage of a no interest promotion for 2 years being offered by XXXX  XXXX XXXX. I made the transfer using the camera feature for the transfer on XX/XX/2023 but the funds never reached my XXXX XXXX XXXX card. The amount in question is {$4500.00}. This amount is already being charged onto my Citibank XXXX account although there is no objective evidence that the {$4500.00} dollars expected from this transaction was ever credited between Citibank and XXXX  XXXX XXXX. I have spoken multiple times with Citibank and XXXX  XXXX XXXX on this issue but no Corrective Action has been taken. With Citibank alone I spoke with three different supervisors identified as XXXX ID # XXXX and XXXX ID # XXXX and a Third one named XXXX. Two case ID 's were opened on my behalf XXXX and XXXX but no additional follow up from either Bank has been conducted and no attempt from either Bank Institutions to mitigate noted discrepancy. XXXX XXXX XXXX provided me with case number XXXX but nothing is happening. I desperately need your help as time is of the essence. 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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express Gold Card with XXXX XXXX XXXX for 15 years. 
Pay card off in full on line every month. 
Did so this past month, scheduling the payment before the due date. 
For some reason unknown to me, the payment did not go through. 

I discovered this 2 days after the due date and called to pay it in full immediately, which I did. They charged me over {$200.00} in interest and my credit score has been affected. 

My paying on line and using on line statements saves the company money! I should not be charged interest or late payment fee for this glitch. They did agree to not charge the late payment fee of {$40.00} but said they " could not '' waive the interest fee. 

What recourse do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Altisource Portfolio Solutions, S.à r.l.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ALTISOURCE SOLUTION I DONT KNOW WHO THIS COMPANY IS AND FRAUD I DONT KNOW WHY THEY ON MY CREDIT REPORT WHEN ITS FROZEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-24
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
I rented a car from next car in XXXX it was to be a four day rental it happened on XX/XX/XXXX and on XX/XX/XXXX I had a blowout on the tire I tried to contact the rental car company and could not reach anyone I left a message at the office that I rented the car from and I also left a message at the XXXX number I could not continue to drive the vehicle because the spare had a limit of 35 miles per hour and I was on a highway that had a 70 mph speed limit finally on Monday someone called me back I gave them the location of the car they came and got the keys and I'm not sure when they pick the car up the whole rental would have been XXXX which they pre-approved on my Visa debit card on the return of the vehicle I would have gotten my {$300.00} deposit back the next thing I know they billed my debit card another {$490.00} for a total of {$1000.00} for a less than 24-hour car rental I have tried to speak to them in regard to this which they refuse they then turned around and filed a claim with my insurance XXXX has denied their claim because they refuse to provide details or an inspection of the vehicle to them I believe this whole thing was a big scam I had to go through two previous cars with them before I can get one car that was safe to drive I disputed these charges with my Navy Federal credit Union account and they said the decision was ultimately up to XXXX  and because the next car rental company provided a rental contract with my signature on it they allowed the debits however the document they submitted for the {$1000.00} was not a document I signed I signed a document for {$590.00} they altered the original document and added charges to it and that is what they presented to Navy Federal credit Union and Navy Federal presented to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited {$1000.00} from my XXXX Brokerage Account into my Chase Checking account. I use my Chase checking account to pay normal monthly bills an expenses and generally have a portion of my pay direct deposited. This month, because we moved and the vendors we used for moving and home organizing had to be paid by debit card and XXXX, I spent more from this account than usual. To remedy that, I deposited {$1000.00} from my money market account held with XXXX. I did this through mobile deposit which Chase accepted. They then proceeded to place a hold on the funds until XX/XX/2022 for the stated reason that XXXX does not honor checks in their experience. This was false. In fact, by XXXX on XX/XX/2022 ( the next business day ) the check was cleared. Chase is still refusing to release the hold. I have contacted customer service twice and they are denying they have received the funds ( that is false since I know for a fact if the money has already cleared my XXXX account, the federal reserve has already released the money to Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/XXXX i check my credit report and i noticed 1 account is not my i never used and never get any benefit for this is the company XXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( 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 2023-08-10
Company: U.S. BANCORP
State: CT
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:
I paid my credit balance of {$31.00} in XXXX of XXXX my payment was kicked back due to Webster bank changing routing number and didn't tell me until XXXX of XXXX when I repeated was putting payments in for {$31.00} so my card wouldn't show a balance. Paid again XX/XX/XXXX with new routing number and its still showing on 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 2015-06-12
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir or Madam : In Re : loan # XXXX reason for me writing is that I am in the middle of a loan modification but are also in the middle of a foreclosure file by Nationstar Mortgage behind your back, who scheduled a sale of my property for XXXX XXXX, 2015, that I was not aware of, feeling secure while relying on the mortgage company 's promise that they " we will not foreclose while I am in the process of obtaining a loan modification. 

Furthermore, I believe the mortgage had already turned my loan over to a foreclosure attorney while luring me into believing that they are trying to work on a loan modification. This due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
ROBINHOOD, a trading platform / bank account provider, is stuck into the typically American banking institution nonsense of " sending SMS messages to authenticate logins ''. When attempting to access my account, I get a " we'll send you a code by SMS '' message and I CAN NOT proceed further because I do NOT use SMS messages- I have a LANDLINE telephone. This results in a catch XXXX - CAN NOT log in and access account, CAN NOT change or delete telephone number and CAN NOT reach company because they DO NOT respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my auto in XXXX. Made every payment early and over the amount. Paid last payment to Hyuandai Finance on XX/XX/XXXX. I still have no title. They said that it is an electronic title with XXXX XXXX Florida. XXXX XXXX Florida XXXX said its an electronic title with a non electronic XXXX. All I need is a lien release notarized paper from Hyuandai. Hyuandai is refusing to overnight me this paper after auto was paid off over 1 year and 3 months now. I have made numerous calls, heard Hyuandai blame me and the XXXX for errors.

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 2018-04-20
Company: TSC Accounts Receivable Solutions
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received call on cell phone about a non-existent debt. Phone is registered on federal Do Not Call list. Message sounded like a scam. There was NO phone message other than a claimed debt which was NOT described. The number appears to be identified on XXXX XXXX XXXX AND XXXX as a SCAM. TSC is identified as the entity originating the call. NO documents have been received or referred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.

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 2023-09-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So this is another report regarding credit acceptance corp so I asked them for the original contract they never sent it to me they sent me aone sheet of paper with a signature and not the signatures to the original contract which my name on the file was XXXX XXXX not XXXX XXXX XXXX it's a defamation of character the dealership sent me a fake contract to my house with fake signatures and credit acceptance corp sent me one sheet of paper when I asked for the original contract and I had a claim number through XXXX XXXX XXXX already that the insurance company should have paid for the car it should on all three bureaus o. My credit report as paid or it should not be on there at all I tried to fix this several times this is indeed fraud and XXXX also shows on my insurance paper my name that was on the original contract that's defamation of character I already have a claim number from XXXX insurance company through my legal sheild attorney so to be up on my credit report as a balance that's not paid is illegal and is violating my amendment rights

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 2023-10-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management Inc. Has stolen my personal information. I have no contract with Midland Credit Management inc. and I have never given them any personal information of mines. How did they obtain my personal information? Midland credit Management Inc is reporting illegal and unauthorize personal information on my credit report. Midland credit Management Inc is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given midland credit management Inc. Notice letters of dispute, Opportunity to cure and opt-out request. Midland Credit Management refuse to perform based on law. Midland Credit Management Inc. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling.Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue tobe harass with illegal reportting and court casses that i never agreed to or authorize this use of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My debit card number was hacked and over {$600.00} ( {$610.00} ) was stolen from my checking account. The debit card number was skimmed and used to charge XXXX separate charges at XXXX different XXXX locations simultaneously. I filed a dispute the following morning as instructed from the Fraud detection department and Old National Bank has denied reimbursement of the stolen funds.

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