BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There needs to be internal investigation on Navy Federal Credit Union. I had made payment arrangements to pay my bill yet when my pay direct deposit posted to my account they had withdrawn the amount without my authorization when I had personally talked to a agent regarding this and had arrangments in place. This is a very bad banking practice. Secondly they will charge almost three insufficient funds fee for the same transaction. There has to be some sort of oversight on bad banking procedures. The consumer is the victim in these situations. Please advise if there is something that can be done. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I tried to redeem my membership rewards points to book a flight but that wasn't successful. I chatted with the customer service who informed me that my rewards account was put under review that same day and this process takes 4-6 weeks to be completed. It's been 6 weeks so, I chatted again with 2 different customer service representatives who both confirmed that there has been points acceleration done recently to my account and that I should be able to redeem my points now. I went ahead and tried to redeem my points for a flight reservation but still was unsuccessful and they charged my credit card even though I didn't authorize this ; I chose to pay with points in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX, XXXX XXXXXXXX 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

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 2020-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report i realized there is a depth collection on my report trying numerous times to collect a depth that i have no knowledge of i have not signed nor entered into any agreement with this company

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 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice. I disputed the validity within the first 30 days. In my letter i asked for specific verification ( attached letter ). What I got was two statements showing absolutely nothing. I have consulted with a lawyer. He said this absolutely would not hold up in court. I am asking once again 1 ) Original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the colletion agency and the original creditor. 3 ) Proof that you are licesnsed to collect debts in the state of Colorado. 4 ) A line by line accounting of the Original account ( transation history, a full breakdown, not just pages of an accoun in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.If this can not be provided, please cease desist from contacting me. I have attached the letter i sent and the response from portfolio recovery assosciates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$870.00}.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: STATE FARM BANK, FSB
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX, XXXX, and XXXX of XXXX, I was put on a deferment plan due to COVID 19. When I signed online to make my payment on XX/XX/XXXX it would not let me enter my card. I called State Farm Bank to find out why I can not pay and they tried to take it over the phone but due to me not having a checking account any longer, they refused the payment. They said that they can only take payments via checking account. I closed my account due to fraud activity and opened a new account at a new bank, with no checking account. I have an XXXX  XXXX card to pay all my bills and money is transferred into it to make the payments. They said too bad and I could open a checking account through them, pay the fees for the checking account I don't need, but how do I get money in it if they don't take a card. They said I could go to XXXX XXXX and wire the money but I am responsible for the fees. I can't leave, doctor 's orders. I called and filed a complaint on XX/XX/XXXX. I was told by XXXX that they would repossess my vehicle. I have been calling ever since trying to get a response, nothing. I was told I will have to wait. Today I spent 3 hours on the phone trying to make my payment, they told me to refinance it somewhere else if I don't have a checking account. I again told them that I will put the payments into escrow until they decide how they are going to take them. They refused and said the vehicle would be repossessed. I has called headquarters, asked for headquarters, corporate, anyone that will help in upper management and they hang up or send me to a department that can not help. Who, in this day and age, has ever heard of a bank not taking a card? My bank laughed and said they have never heard of such a thing. They said that I will incur late fees and it will affect my credit. So I have two law firms waiting for them to answer. I need help, I can not afford this and can't afford two law firms to convince a bank to take a card for payment. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX  a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is reporting a collection account to all 3 credit  companies in the amount of {$9300.00} this account is not mine. 
I need written confirmation/proof that this account is under my name. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ International is trying to collect a debt that is the wrong amount. I have disputed this matter and I dint get any satisfaction. I have provided them with cancelled checks that i paid a security deposit to XXXX apartments that was not deducted from the amount they have on my credit report. I also disputed this with all the credit agencies and only one agency sided with me and erased the debt. My credit report shows that i owe XXXX, that is incorrect. They sent me an invoice that does not deduct my security deposit. I got turned down for a homebuying loan today due to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with Transunion with regards to a charged off account with XXXX and XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX and XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX and XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX and XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. Transunion was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX and XXXX is what Transunion updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by Transunion. Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a payment to XXXX XXXX XXXX on XXXX in the amount of {$33000.00}. XXXX did not accept the method of payment, which was made via ELECTRONIC BILL PAY. The funds were returned to BB & T on the same date, according to XXXX XXXX. 

I contacted BB & T several days later to inquire as to why the funds had not been credited back to my account. They informed me that XXXX was sending me a physical check in the mail. After not receiving the check for what I considered to be a reasonable time frame, I contacted BB & T again to inquire as to the location of my funds. They informed me that the funds would be returned back into my account after a multiple day hold. To date, it has been 20 days, and I still do not have the funds back in my account. This has cost me close to {$400.00} in additional accrued interest, and in this day and time there is no sense in this. I want my funds deposited back in my account immediately, along with the additional interest that it has cost me.

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 2022-10-04
Company: BANCO POPULAR DE PUERTO RICO
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
First Name : XXXX Last Name : XXXX Title : XXXX Retired Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : OK Zip : XXXX Telephone : XXXX Email : XXXX VA facility or office involved : Selling VA Financed home in XXXX XXXX and appraisal department of buyers bank won't follow the law concerning the solar electric system and battery backups into loan appraisal. I have showed them the new law and gave them contact with lead engineer at XXXX XXXX information verbal and email. Alleged legal or policy violation ( s ) or other misconduct : They are not following current law applied to my situation of including solar electric and battery backup system into loan appraisal amount from the appraisal department of buyers bank ( Bank Popular ). buyer is also seeking VA loan to purchase my property. They have been approached at least five times to fix the situation at their bank appraisal department. They finance homes and approve sales everyday with other persons that have solar systems into appraisal so why are they not applying law to me and my situation. 

Emails from XXXX XXXX : That document is completely obsolete. They have to update that information as soon as possible because that is completely incorrect. Look for Law 17 of the Public Energy Policy or call the nearest Net Metering office or the OGPe offices for them to send you all updates. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Please call our professional engineer XXXX XXXX at XXXX for further information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Effect of the wrongdoing, such as dollars lost, delay produced, etc. : Cost me my contract amount with the buyer. {$440000.00} and the bank appraisal department accepts only {$370000.00} appraisal without solar electric/battery backup system figured into apparaisal.. All documents have been provided and solar system/battery backup have met all government rules, laws and regulations which have been provided to them by me and my realtor XXXX XXXX phone ( XXXX ) XXXX XXXX : XXXX I can provide the new law regulation document Date ( s ) when the event ( s ) occurred : XXXX XXXX Names of wrongdoers : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ext. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX for VA ) ( XXXX ) XXXX email : XXXX XXXX XXXX email : XXXX Names of victims : XXXX XXXX I am XXXX XXXX and can't ytake anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The creditor has the date the account opened wrong. I began owing a balance in XX/XX/XXXX, they have it starting in XX/XX/XXXX, then it states that it was first reported on XX/XX/XXXX. These dates are not accurate. I think this is an attempt to prolong the debt on my credit report. On XX/XX/XXXX I observed additional information not provided from this debtor on my credit report such as last reviewed and last time it was active. A week letter on XX/XX/XXXX I sent a certified letter to XXXX to request that information be added and debt information updated. On XX/XX/XXXX I received letter back from XXXX, with no changes or updates were made to the debt in question. On XX/XX/XXXX I ran a credit report again, which indeed confirmed no information had been changed or updated. 

Below I have attached my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
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 non-monetary relief
Consumer complaint received 2020-07-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX. 
We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way. 

We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX. 
This leaves a balance due {$5100.00}. 
Ally now tells us the payoff is {$9000.00}. 
" Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts. 
Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. 
Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. 
Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming. 

We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result. 

Please help us with this gross violation with Ally Financial. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation