BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off as agreed. The principle and interest was paid in full in XX/XX/XXXX. There was only a balance of estimated 400.00 left on the account. The finance company advise that my vehicle would not be repossessed due to paid in full. I just wouldn't receive my title until that amount was paid. In XX/XX/XXXX, my vehicle was unlawfully repossessed. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. I was told they sold my account to a collection agency and they were the ones who repossessed my vehicle. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Troy Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received paperwork from a Troy Capital LLC from a county I do not live in and nor do I know why they are trying to sue 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 2022-10-26
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: Public record information inaccurate

Complaint:
My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/19 is the last day i had my debit card i made a purchase that day.that same day my card was lost and fraudulantly used in multiple things includeing a fraudulant claim made with chase and fraudulant deposits and fraudulant withdrawls and fraudulant transactions totaling over XXXX $ chase is denying my dispute for multipe inconsistencies/red flags which include my pin was used and writen down whitch is not enough to deny my claim accourding to the laws protecting me as a bank consumer and they refuse to use audio and video footage to prove it wasnt me they stated that thats not evidence. another inconsistency was that my account was being moniterd by a trusted device around the days of the charges and nothing was reported i do not remember looking at my account and i tried telling them other people has access to my account overview and that i had no idea of knowing about the transactions. also they said a day or two before i reported i lost my card charges were denied on my account because chase thought they were fraud and they never showed up on my statement and i wasnt notifed so how could i know they whouldnt tell me what they were either so i might of made those charges and i might not of how could i know if i am not told what they are. also i recieved the two fraudulant that someone tried depositing in my account from chase in the mail and ive never even heard of the place writen on the checks and the signiture on the back is not even close to my signiture and they have my signature on file. they have already taken money out of my joint accounts trying to get the money they think there owed back this is ridicouls and all chase can tell me is to find evidence and show them and that this is a unfortuite sittuation.none of there so called inconsistencies make sense or dont hold up and they cant deny my dispute because i wrote the pin on my debit card but they are.please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: OH
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:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

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 2019-09-30
Company: Armada Corp.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 noticed 9 items totaling {$2100.00} from Armada Corporation, XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Acount shows 6 years and 2 months old. Original debtor is XXXX XXXX. This account does not, and has never been attached to me. I have never been to the XXXX XXXX nor have I had any accounts in collection with Armada Corporation. I called to have them remove it and they can only put it in dispute. This account belongs to someone else and has never been attached to me. My credit recently dropped because they attached this to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: SECURITY FINANCE CORP
State: NC
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:
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i deposited my normal monthly amount work payroll check from my employer on XX/XX/18 and was given a receipt and told by the teller that my funds would be available the next day XX/XX/18 at XXXX XXXX. bank of america changed my status the morning of XX/XX/18 after I was told by the teller and via my online account access that it would be available XX/XX/18 at XXXX XXXX, they changed to hold til XX/XX/18 after XXXX XXXX. this caused a delay in my bills being paid in a timely manner without consequences

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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FIRST, I was an XXXX Data Breach Victim. XXXX   has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against XXXX and TRANSUNION ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. TRANSUNION and XXXX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for XXXX and TRANSUNION to follow XXXX 'S example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.

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 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
OnXX/XX/XXXX I sent a letter to TransUnion, LLC and to XXXX XXXX XXXX demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that XXXX XXXX XXXX is lawfully entitled to conduct the business of debt collection in the State of Alabama fromXX/XX/XXXXXX/XX/XXXX to present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from XXXX XXXX XXXX with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.

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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting incorrect information on my Transunion and XXXX Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on Transunion as XXXX XXXX and on XXXX it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

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 2018-05-19
Company: U.S. BANCORP
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
36 months ago I leased a truck through US Bank. Last week I paid the balance in full.

When you call XXXX XXXX XXXX XXXX XXXX they claim the loan is closed and I should have the tile in 10-15 days.

When I log in online or call US bank customer service they are still trying to collect and additional {$260.00}. They claim this is just and error to ingnore it.

I dont think Banks should be asking for money the know is not due. A bank should not tell you its an error that they cant fix. The operator went on to tell me that I should be thankful that I dont have automatic payments set up as that takes 2 months to turn off and they will not refund the error for 8 weeks.

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 2018-05-19
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX  cut avabile credit XXXX, after I paid card off and used it for a month on XXXX  limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX  and has been going up they show XXXX   and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX   at least sent a notice.

if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just 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 2020-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
The problem started in XXXX when Experian would not updated my XXXX XXXX XXXX XXXX XXXX XXXX revolving credit card account. I have filed multiple disputes, with it going from wrong information to no information.

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 2019-08-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Twice, I requested a free credit report from Equifax under the Fair Credit Reporting Act, the last time on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello I was surprised of this company continue to raise my payment every six months to a year, so I inquire about my monthly payment. This company claim because I am a XXXX XXXX that my payments will go by my income. I did what they ask, which was my pay stubs, income tax refund, other information and documents that would help to lower my payment most of all that my payment would stay the same for the next ten years. When I finally spoke with someone about pay off, they claim that I old about six thousand more than original because of interest. I could not understand the total price  was different form what they said. They stated that I had to consolidate in order to get the police discount for ten years, so I did. Now it's a different story, I am not allow to do much of nothing, they denied my every request. I asked if I can pay the original loan off, they stated that I have to pay original price off in full and more, there's noting we can do for you, I went through three people before this one nice person gave me some advise. The first arrangement I made with company is no longer valid, so this company pulled me in with false pretense. All I wanted to do is pay off my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last month a collection account from Transworld Systems showed up on my credit report. I've received no mail or phone calls from this company. I disputed it with XXXX  but never heard anything back.

Today, Transworld again reported the account to XXXX   and XXXX. I have no knowledge of this account and Transworld has never contacted me in any way, including sending a letter notifying me of their existence and therefore providing me with the opportunity to ask for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: SUNTRUST BANKS, INC.
State: NY
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 previously disputed a student loan from XXXXSun Trust Bank with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXXSun Trust Bank. The promissory note that I signed agreeing to the loan is with XXXX not with XXXXSun Trust Bank.

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 2019-09-30
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. 
Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief