BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Viking Client Services
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX the XXXX of XXXX I, XXXX XXXX rented a vehicle from XXXX at the XXXX/XXXX. XXXX Airport and did return this vehicle to the same location on XXXX the XXXX, XXXX. My deposit was refunded, and final charges to my Visa CC were on XX/XX/XXXX. 

The XXXX week of XXXX, XXXX, I received a letter, in a nondescript envelope with no company logo or information. This looked like junk mail, but was in fact a letter from Viking Billing Service, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 
This letter claimed I had caused damage to the vehicle rented from XXXX and to send Viking money. 

I called the XXXX company at my earliest convenience, which was XXXX the XXXX, XXXX XXXX to request more information. I was given no information verbally or in writing regarding any damage claim. I try to follow up again on XXXX the XXXX, XXXX with the same lack of result. I have called XXXX many times to resolve this, and not once was I given any information regarding damage to the vehicle. 

I have now received another letter from Viking, again nondescript envelope that looks like junk mail. This letter claims in is the final letter, and that this matter could now be sent to collections. 

I have spoken with XXXX XXXX of Viking Billing Service now on XXXX the XXXX, XXXX, and he has finally sent to me a 34 page pdf file of the damage claim including a signed " Contact form '' from XXXX the XXXX which someone claims they called me, and were told " wrong number ''. My phone records from that day indicate I received exactly 1 phone call, from a local XXXX area code number. 

This document also has pictures of vehicle damage dated XXXX XXXX. 

Viking Billing Service is a DBA of Viking Client Services, XXXX. 

Viking has violated the The Fair Debt Collection Practices Act, as enacted by the 95th United States Congress, as they did not contact me within the allotted 5 day period to validate their debt, and violated the 30 day debt dispute clause, as they failed to contact me in a timely manner. 

I have also written a letter to XXXX XXXX XXXX, Executive Vice President of Global Sales and Marketing at XXXX. 

Given the class action lawsuit against XXXX from XX/XX/XXXX regarding a pattern of behavior near identical to what I have described in this complaint, I would like XXXX and Viking to cease this claim. 

Attached is the 34 page document as sent to me from XXXX XXXX of Viking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: MS
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 believe that someone stole my identity and this loan belongs to someone else.

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 2020-01-22
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my free annual credit report I noticed fraudulent accounts from Profit Services Group, after contacting them to verify these fraudulent accounts I still haven't received any verification and they still are reporting these fraudulent accounts to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First is making all members to enroll in " Premier Checking ''. They are charging {$6.00} a month for this and all members who don't want it have to go into a branch to opt out. During a pandemic? This is ridiculous! No one should have to risk their life and well being to opt out of a service we never signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: JPMORGAN CHASE & CO.
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 am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On 4XX/XX/XXXX My paycheck was garnished for student loan defaults. When I called the government agency involved I was told that my debt had been passed off to a debt collection agency and that the situation was completely out of their hands. I then reached out to the company to figure out what was going on. I asked them why I had not received any notifications about what had happened and that is where it turned bad. They said that they had been attempting to contact me at an address that I had never heard of and that they refused to do anything other than continue to garnished my wages. I told them I would like to set up a repayment plan and they refused.I need 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 2020-01-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company named ENHANCED RECOVERY SYSTEMS has attempted to collect a Debt that is not mine int the amount of {$960.00} with account number of 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 2023-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ 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 2022-09-10
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and incomplete XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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:
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to you once again as now I have made three trial payments on my modification, once again. The company XXXX XXXX, PHH, Ocwen are going back ion a promise and the method in which they explained they would remove my former Wife 's name. This is an outrage, I have been living with this since 2016. This was their mistake and I am being punished for following what they told me to do. I need government intervention immediately PLEASE SEE THE UNDERLINED SECTION OF A LETTER FROM OCWEN XXXX ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Ive sent XXXX transunion and XXXX 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!

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 2023-10-16
Company: Approve Holdings, Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX I started a refinance load with Auto Approve to reduce my XXXX XXXX to more reasonable XXXX XXXX I refused gap insurance. XXXX XXXX assured me that he got me XXXX XXXX ( never saw it on contract ). Last Friday I received my first contact from XXXX XXXX XXXX and saw {$1100.00} added to the loan and the Interest Rate was XXXX!! HIGHER than the loan that was paid off. I now had a loan that was now higher interest and {$1100.00} higher?! Being a retired XXXX XXXX XXXX here in Florida,, I realized I had been taken advantage of and lied to and possibly a victim of a Predatory Scam. XXXX and on fixed income this is devastating to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-09-04
Company: Atlanticus Services Corporation
State: PA
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:
[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX ET will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.

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