BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently after pulling my credit report I noticed Transunion re-inserted two previously removed accounts on my credit without properly notifying me within 5 days by mail that they were doing and nor the reason. Due to the EXTREME violation of my rights under the FCRA LAW Part ( A ) ( 5 ) ( B ) ( ii ) to avoid LITIGATION for failure to notify me of the re-insertion of the following items I expect them removed permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX were removed from my credit report in XX/XX/2022 and recently added back with no communication whatsoever. 

This notice shall also be sent via certified mail to companys address.

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 2021-11-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to experian stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXX/XX/XXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.

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 2019-09-27
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {$15.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {$50.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX I XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

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 2021-11-19
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX stating I owe a balance of {$360.00} due to XXXX. Then, XXXX sent the debt to Franklin collection services. I have never had an account with XXXX and I explained that. I have mailed 3 letters in regards to the debt but have not received any proof or correspondence about the letters, only more mail trying to collect the debt. The dates these letters were mailed are on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year and I have yet to receive anything. I keep getting reported on my credit due to this debt and I am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not a fictious CORPORATE ENTITY, or PUBLIC OFFICE HOLDER using any fraudulent government-created, UPPER-CASE name, XXXX XXXX    XXXX XXXX XXXX that resembles my natural name. This upper-case fictional identity was forged for unlawful commercial gain from a birth certificate contract without full disclosure to me and without my consent or my mothers consent. 
1. There is no evidence that XXXX XXXX XXXX XXXX has any outstanding liabilities or obligations with NAVY FEDERAL CREDIT UNION under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. Affiant believes there is no proof to the contrary. 
2. Pursuant to Title 12, Section 24 paragraph 7, it explains the power of the XXXX XXXX  XXXX. 12 U.S. Code 38 - The XXXX XXXX  XXXX States ; Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. NAVY FEDERAL CREDIT UNION brought forward and loaned its own CREDIT within the Consumer Transaction/Contract. Bank do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. Affiant believes there is no proof to the contrary. 
5. Fact, the United States Federal Government has been dissolved by the Emergency Banking Act, XX/XX/1933, 48 Stat. 1, Public Law 89-719 ; declared by President Roosevelt, being bankrupt and insolvent. H.J.R. 192, 73rd Congress in session XX/XX/1933 - Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. Federal Reserve Notes ( FRNs ) are unsigned checks written on a closed account. FRNs are an inflatable paper system designed to create debt through inflation. To pay a debt, you must pay with value or substance ( i.e., gold, silver, barter or a commodity ). With FRNs, you can only discharge a debt. You can not pay a debt with a debt currency system. Federal Reserve notes make no such promises, and are not money, you can not service a debt with a currency that has no backing in value or substance. No contract in Common law is valid unless it involves an exchange of good & valuable consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NY
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:
Please see inquires listed below are not mine, i reached out to Equifax to have them removed asap. due to the fact that these are not my inquires. it is causing me great damage. by ruining my scores and i cant obtain a mortgage. 


XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Called XXXX in customer service at Chase to order a Sapphire Preferred card to replace our Southwest card ( {$99.00} annual fee charged on XX/XX/XXXX ) Asked if payment of that {$99.00} fee could be transferred to the new Sapphire account, as well as transfer of reward points. XXXX promised fee credit and points would be transferred. 
Then he announced I must apply online for the new card, which I did and it was approved immediately. 
XX/XX/XXXX I ordered payment in full of Southwest account, delivered to Chase on XX/XX/XXXX. 
XX/XX/XXXX The Sapphire cards arrived in the mail, after which we stopped using the Southwest card. 
XX/XX/XXXX While online at Chase to print Southwest statement for final pay-off, I noticed the Sapphire account was also debited for {$95.00} annual fee on XXXX, and there is no credit for having paid {$99.00}. 
XX/XX/XXXX Spoke to XXXX, Supervisor at Chase. She claims XXXX gave me " misinformation '' and my request for transfer of fee credit and reward points can not be honored. They will " pull the call '' record with XXXX of XX/XX/XXXX at XXXXXXXX XXXX and mail a letter in 7-10 business days. Also, I would have had to close the Southwest account within 41 days of XX/XX/XXXX to get the fee credit transferred. I asked how could I close the account without having received the final statement and paying it off? She said I could close it with a balance remaining, but did not say that it was an option today! 
XX/XX/XXXX Filing a CFPB complaint ; last 2 Southwest statements and Sapphire activity printout are attached, along with my husband XXXX XXXX signed permission to respond to me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
After careful investigations on my part and with the help of law enforcement it has been revealed that XXXX in the fraud department at Navy Federal Credit union is leader in the credit card scam going on at this company where they mail memebers credit cards to their friends and they make unscrupulous charges then refuse to investigate these charges and the consumers are stuck to pay these bills. This is disgusting and reprehensible. They are defrauding all these members to make a buck for themselves and they should be ashamed of themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have charges that I have disputed with CitiBank Best Buy Card for charges that occured in XXXX. I did not authorize any of these charges. I disputed the charges, then they transferred the balance of the fraud charges to my new card they issued me. I have never used this card once in my entire life. All the charges on this card are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX. 

XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX  and had internet service provided to my by XXXX  ( only Wifi, no equipment, cable or installation ).

*In XX/XX/XXXX I left my apartment in XXXX  and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge! 

*I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed. 

I can provide you with the account number and all the details to verify that by yourself *XXXX  has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this. 

*Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this. 

Thank you very much for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have not provided info I requested to validated my debt. 
1. Agreement with your client that grants you the authority to collect on this alleged debt 2 Agreement that bears the signature of the alleged debtor where in he agreed to pay the creditor 3 Any insurance claims been made by any creditor regarding this account.

4 Verification that this debt was assigned or sold to collector 5 Commission for debt collector if collection efforts are successful 6 My signature on any paperwork to prove no ID theft was made?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America allowed XXXX XXXX XXXX in unauthorized withdrawals from what appears to be fraudulent electronic withdrawals to major corporations. I need assurance that all theses funds will be returned immediately so I can pay my bills. 
They should not have bankers hours for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27
Company: Valentine and Kebartas, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Company named Valentine & Kebartas keeps calling about a debt they purchased from XXXX, XXXX purchased from XXXX, XXXX was XXXX XXXX. I originally had my loan with XXXX XXXX. The company in question will continue to call my personal cellphone, then call my place of employment during the day. Tuesday after attempting to call my cell phone 5 different times from all different numbers they then proceeded to call my place of employment. I answered the phone and requested for the 4th time that they don't call my office ( this has happened before ). I told them to call back tomorrow, they did while i was at work, I told them to call me after work and I gave them a time that worked best for me. They called me back XX/XX/2020 at XXXX, I spoke with a gentleman who claimed to be the case manager. I told him that my wages are already being garnished for Federal Student loans and that I had just enough money to live on and no way to pay them. They then threatened me and said they would come after me. I stated that I already have my wages garnished, get in line with the rest of the loan servicing companies. He then got extremely upset, cursed at me and threatened me again. I got a fax today at work for employment verification, which I filled out and sent back. I have a feeling that they will continue to harass me and threaten me. I told him that his actions were unprofessional and unethical, that is when he got very angry at me, cursed at me and hung the phone up. I know my rights and I know that this is not how you should be treated. That is why i have decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Dear Financial Bureau, I have been an carecredit customer for a few years now. However, every since they increased my payment form XXXX dollars to XXXX dollars, it has been minor problems. However, these past month has been a problem for me overall. You see, I agree to pay them XXXX dollars after an bank mix up on the 3rd of NovembeXXXX but they did not process my payment yet. Then they charge me XXXX dollars late fee for not getting the money yet. I send the payment to their XXXX XXXX and I was just wondering what is the problem? I used to send them payments via money order all of the time but this is the first time this has became a problem. I was wondering what is the problem?

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 2023-10-15
Company: Hatfield Portfolio Group LLC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The U.S. Code that discusses the timing of payments is **15 U.S. Code 1666b**. This law states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 1 ) 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX. 
( 2 ) 15 USC 1666b : Timing of payments- House. https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1666b & num=0 & edition=prelim. 
( 3 ) Dates and Deadlines Student Financial Services. XXXX XXXX XXXX 
( 4 ) Important Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response