BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: U.S. BANCORP
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I recently turned in a lease thru US Bank. I paid the lease off early and was almost 3000 miles under the lease agreement. About a month after I turned in the lease a received a bill from US bank for {$930.00} for wear and tear and a contract termination fee ( {$390.00} ). The letter said I could call them to dispute any of the charges. Included in those charges was {$35.00} to replace oil, which was changed as scheduled at the dealership us bank does business with. {$200.00} for scratches in the truck bed, it's a truck and this is not covered in the lease agreement. US bank called me before the bill was due for payment on XX/XX/XXXX asking for payment. I attempted to dispute the charges of the oil change and truck bed scratches and was told it was non negotiable, which is very deceptive since letter says to call them to dispute. I asked to pay {$700.00} and wanted to dispute the rest of the charges. The rep told me the vehicle was already sold and that nothing could be disputed.

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 2018-08-15
Company: Navient Solutions, LLC.
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:
On XX/XX/XXXX I received a call from XXXX with the Federal Student Aid Program offering me a Forgiveness program ( which I found out later that it was fraudulent ). At the time they explained that I should immediately stop paying Navient and begin paying them and that my loans would go directly to the Dept. of Education because they were a government company. I began receiving documents from Navient ( who was the initial company I was paying my student loans to ) on XX/XX/XXXX stating that they are helping me with a direct consolidation loan, which I already had for several years and have been paying on for several years. I notified the " Federal Student Aid Center '' and they refused to return my calls but sent a text message stating that the documents I received were in line with what was needed for my forgiveness and to not do anything with the documents. on XX/XX/XXXX I  received another letter stating that my student loan amount of {$48000.00} will now be {$82000.00}. I have been paying for over 10 years and began this journey with a {$24000.00} student loan debt. I do not understand how a {$24000.00} total can end up being XXXX  when I have never been garnished or in default. I have had forbearances and deferments but that has not been within the last 10 years.

In addition, in XX/XX/XXXX when Sallie Mae split becoming Sallie Mae and Navient, my loans went from XXXX ( due to interest from forbearances and deferments ) to XXXX  and my fixed 2 % when to over 3 % and is now at 3.875 % They also gradually every year went up on the amount they took from my bank account without notification. I work for a XXXX and have not received a raise in over 8 years. So while they were taking money and not working with me to make appropriate payments, they were increasing the amount that they were taking out of my account and I am now in Jeopardy of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 08 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 explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: GreenSky, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX this year I got a credit report that Greensky opened a line of credit in my name. I contacted Greensky on XX/XX/2019 XXXX   XXXX/GREENSKY Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and they said that some construction company opened the account in my name. I said I did not give anyone permission to open an account in my name. And furthermore .I did not give a company permission to conduct business electronically with me. Greensky said they could care a less about that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal receives funds to my account from my ebay sales. XXXX has cleared and rated my account as an above standard seller.No complaints from any buyers. However paypal gets my funds and holds on to them. They take my funds and not allow me to have access to these funds. Until 21 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Cherry Creek Strategic Advisors, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recived a very disturbing call from my son 's father stating they were taking my son away giving full custody to him because & to have him contact me for me to contact them? I contacted a lady who was rude & stated I allegedly applied for a loan on line over 5 years ago & did n't pay it back & that I would need to make a large payment today to keep my case from going to court and being locked up at my work place. Never once did I receive any correspondence nor do I even remember 5 years ago, although It does n't sound like something I 've did. The lady even told me I had a good back ground & did n't want this to end up on my credit however still needing to make a large payment. I stated to her again I have no clue what your taking about but please send me some info and I 'll review it and get back with you, even spoke with a manager who was suppose to email me documents, never recived anything and here it is again today she calls my son father again stated today will be the day I go to jail if I do n't contact her back. This lady have stressed me out not to mention I 'm with child. I want this harassment to stop for good and no that my son is safe. Please help

Company response to consumer: Untimely response
Consumer complaint received 2019-05-26
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2018-08-15
Company: SUNTRUST BANKS, INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa  credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX in XX/XX/XXXX.

Working with XXXX XXXX   Fraud Risk Control Division, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX.

However, on XX/XX/XXXX, XXXX XXXX once again made a inquiry of my credit with Transunion and XXXX  credit bureaus.

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX   explain the nature and purpose of this credit bureau 's inquiry of my account.

To date, I have not received any response from XXXX XXXX XXXX  on my request.

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 2018-08-15
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights. 
Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character. 

This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 


I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My complaint is about XXXX XXXX which my XXXX credit card is through. I have not paid the bill because they have changed the late fee 3x with no explanation, when I call to discuss issue with account will not speak unless we only discuss payment. Have now started to call extended family and some people, I have nothing to do with. I know I owe part of the bill they are claiming and am more than happy to pay it off, but I am not paying false charges, and now I am being harassed as well as my extended family. I owe some of the bill, but I also have rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account 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 2019-05-26
Company: PLANET HOME LENDING, LLC
State: IA
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:
Planet home lending was my mortgage lender from XX/XX/2018 to XX/XX/2018. 

They are reporting multiple 120 day late payments on all 3 credit bureaus destroying my credit score and  refusing to correct the problem. My wife and I were never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Chase Bank on XX/XX/19 with a {$200.00} bonus promotion. In order to get the advertised bonus account holders must have direct deposit totalling at least {$500.00} within a month. After satisfying this provision, chase advertises the delivery of the {$200.00} bonus applied to the new opened account. I satisfied the direct deposit requirement within the month upon opening but never got any bonus applied. I visited the bankers multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I contacted Navy Federal as I had 2 accounts approaching 30 day late. I asked which 2 accounts those were so that I could pay before it would be reported. I posted 2 payments to bring my accounts current with plans to post the final payment to the 3rd account before it hit 30 days. I was mislead into believing I had paid the 2 accounts that were passed due when I had not. My accounts were closed without explanation and statements forwarded to an old address where I had no way of knowing my dates. Also, online access and convenient payment options weren't available to me but only by driving an hour or more depending on my location to post a payment. This 30 day mark has caused my credit scores to plummet and I feel this is due to error on Navy Federals part. I've been a member just over a year and had not missed a payment prior to this. This could have easily been handled had I known but Navy Federal chose to call me on day 31 advising me that I would need to make a payment to avoid additional fees/late charge penalties. This is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
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 is missing that should be on the report

Complaint:
Transunion fails to updaye my information ( all ) i have sent certified updates, called numerous times to fraud department..i can not get them to correct my name, misding addresses, work history, midsing loans.. And can not get a credit score..on my XXXX and other databases it shows ( XXXX ) on transunion for my credit score. This has been continuing since XX/XX/XXXX..still i can not get any help ... i want my info ( all ) corrected and credit report and score available to me as i see fit and want my credit frozen and intialfraud alert and a apology from this bureau..this is the 2nd time in my lifetme transunion has had incorrect info on my report.. 1st time was a complaint in XX/XX/XXXX i had been reported for owing over 113,00dollars in federal tax ... i hired a IRS problem resolution officer ( XXXX XXXX ) she coild not find anything..only that i always recieved refunds on my taxes..well this issue came up again in XX/XX/XXXX ... so i dif the investigation and found that a county clerk had filed the complaint under the wrong Social Security Number..the name of person was similar to my name and live in a area ive never resided. I carried that burden from XX/XX/XXXX to XX/XX/XXXX..was refused credit because of this mistake ... and now since XX/XX/XXXX i have become a victim of identity theft. Some person or persons filed numerous 1040 form with my social security numbet.. The IRScontacted me by letter on XX/XX/XXXX and informed me of this and they caught the error because i do not have a tax filing status since XX/XX/XXXX..i was deemed XXXX in XX/XX/XXXX. I am furious and want my credit report corrected and a apology and i have suffered pain and mental anguish because they refused to listen or help 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 2019-05-26
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Byrider Franchising, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( XXXX XXXX XXXX enter into a consumer credit transaction with CNAC-XXXX on XXXX XXXX XXXX. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. A consumer credit transaction because I know the finance charge the sum of all charges I was not expecting a bill. XXXX-MD102 sent a bill which is a violation 15 USC 1692b. I have attached a copy of License. I have sent you by mail my affidavit and invoice.

Company response to consumer: Closed with explanation