BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2017-04-03
Company: The CFM Group
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My information on your record is incorrect, you have my SSN number as XXXX and it's not that number. Also my surname is mispelled.

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 2022-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX-I attempted to sale my vehicle. Its XXXX XXXX  XXXX. I was informed at that time that my title was reading within mechanical limits which depreciates the value over $ XXXX. The dealership refused the purchase it at a fair market price. I then attempted to resolve this issue with the DMV, Tag & Title office located in XXXX GA, XXXX XXXX. The supervisor informed me that the clerk input my information in the computer incorrectly due to a computer system upgrade & that this matter couldnt be resolved without the original title. She asked me to contact my lein holder which is USAA. I contacted USAA and they stated that they received an electronic title, not the original. USAA attempted to retrieve the original title 3 times since XX/XX/XXXX and never received it. Ive contacted both the DMV/Tag & Title Office manager several times about this matter and they have told me that they do not have the original title to make the corrections so I can sale the vehicle at a fair market price. I then contacted XXXX in XXXX Ga where I originally purchased the vehicle for a copy of my agreement, since I feel like they have violated my consumer rights as well by not disclosing all pertinent information related to the vehicle upon purchasing. The items of speaking of include the incorrect odometer reading & auction purchase. It has been six months that myself and my lien holder has tried to resolve this matter with no help. This failure on the Tag, Title & DMV office in XXXX GA, XXXX XXXX and the XXXX Dealership in XXXX GA has costed me over {$900.00} a month in fees. Their lack of compassion and blatant disregard for my rights has caused hardship on me and my family. As an Active Duty Military Member for the past 17 years I have never been treated so unfairly or violated. Please investigate and help me resolve this issue immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to deposit a check in the amount of {$6600.00} via the Chase mobile deposit app. On XX/XX/XXXX, the deposit was reversed with the reason being that the back of the check image was unusable. On XX/XX/XXXX I took the check to a physical location and deposited it in the ATM at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX along with another check. The total deposit amount of the two checks was {$7000.00} and the posting date was XX/XX/19. The check deposit in the amount of {$6600.00} was again reversed with the reason being that this was a " duplicate '' deposit. 

On XX/XX/XXXX I contacted Chase and asked them to open a dispute and review the deposits so that they could determine that the second deposit was not, in fact, a duplicate but rather the physical deposit of the check that was not accepted due to the image error. I received a response on XX/XX/XXXX stating that the transaction was processed correctly and that there would be no adjustment to the account. 

My deposit in the amount of {$6600.00} has been reversed twice now and I am no longer in possession of the check since the physical check was deposited at the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I mailed out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency. 

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, XXXX, Equifax, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : XXXX Accounts Furnished without my written XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had put a hold on my health club membership at XXXX  XXXX and was told by a representative that no further charges would be forthcoming until I decided to take the hold off. I then received a bill for the next years membership fee of I believe {$49.00} ... I then called and spoke to manager and was told that I had to pay that before they would cancel my membership. I did not understand why I should pay for the next years fee if I was on hold and told nothing would happen until I decided to take it off hold. 

Next I receive notice thru XXXX XXXX that I have negative credit issue on my account. I checked it out to see that now they were asking for {$83.00} to settle my debt. I called First Credit Services at XXXX to dispute amount and attempted to settle debt today. The person I spoke with had a strong foreign accent and was difficult to understand but we agreed on {$60.00} to settle debt. He then told me he couldn't take credit card but I could pay with my bank account. I work in XXXX XXXX and know that you don't give away your bank account information to anyone. He then told me to call back in an hour and see if they could then take my credit card. I called back to settle and now they told me that the client XXXX  XXXX has put the account on hold and I can't pay it!! I explained I wanted this off my credit record but they said I would have to talk to client but they aren't even open now for business!! 

If XXXX  XXXX is forgiving debts that's one thing and that would be great but if not there is no reason I shouldn't be able to pay this now and get it off my credit record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi there! 

I did not approve this inquiry I want to dispute this transaction 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 2018-11-08
Company: CITIBANK, N.A.
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:
I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: MI
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-13
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BMW salesman used disceptive tactics to get me to sign a contract on a new vehicle with a balloon payment at the end of the XXXX year term. This amount equal an additional XXXX XXXX  more of the purchase amount. This turned this vehicle from being a XXXX car loan to a XXXX car loan. 

We filed a complaint with bmw about this issue and received no response but, a letter from them requesting to pay that amount. 

I asked for this account to be validated by BMW and by XXXX. This process was never done. 

In fact, what this company did was shocking. Instead of responding to me, they came and pick up my vehicle that was paid off in its XXXX year term. 

BMW decision was to take my car that I paid XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Synerprise Consulting Services, Inc.
State: TX
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:
Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Noti
ce has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Nations Direct to resolve my foreclosure issue but they refuse to cooperate and provide me the documents I need to apply for mortgage relief. I recieved a loan mod and they refused to take my payments, now I'm trying to apply for mortgage relief and they won't provide me with a mortgage statement and escrow payoff to apply even though I requested it in writing over 2 weeks ago. Now they scheduled a sale date even though I have a loan modification packet pending and mortgage relief pending. My counselor said this is dual tracking and illegal. I want them to send my counselor the documents requested and stop the sale so I can apply for mortgage relief and/or loan modification. they are so difficult to work with and I have been in and out of the hospital with medical issues. They refuse to work with my HUD counselor to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.

Company response to consumer: Closed with explanation