BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ
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:
Rausch Sturm filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXX XXXX  XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, Rausch and Sturm falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.

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 2022-07-19
Company: MARINER FINANCE, LLC
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:
There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient admits to servicing three federal public loans that XXXX XXXX took out for college. These three loans are still reporting incorrectly on XXXX 's credit report. Even accepting Navient 's statement that these three loans defaulted in XX/XX/2013, the credit report still shows the three loans as " collection '' even thought they have been paid. following these entries, it says " account transferred or sold '' please fix the credit reporting by Navient to remove the " collection '' language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Returned my rental car. XXXX kept charging me and telling me I hadn't returned the car. So, they couldn't find a car I returned to their lot. I had a 6am flight out of XXXX so I had to drop the car off at 4 am, left the keys in drop box. A week later, I see a debit charge from XXXX. I call, what a nightmare, on hold for 30 minutes, they tell me I still have their car. I flew from XXXX to XXXX XXXX It was their way or the highway. eventually, they found the car and refunded the amount. After this experience, I asked for a new debit card from PNC bank so XXXX wouldn't have carte blanche on my account. So, new debit card... then, 2 months later, another charge from XXXX. How they did this I don't know. I called PNC, another nightmare, to dispute transaction. Weeks later, I get a notice from PNC saying they decided for XXXX. I asked what documents they used to make their decision. They said " XXXX sent us a receipt with your name, address, and account number. '' Do you ses the ridiculousness of this? Anyone who has had previous access to this information can use it. PNC was supposed to determine if this was FRAUD!!!! This entire incident has felt like a Twilight Zone episode. Has made me never want to travel again. The incompetency is bewildering. I had to CLOSE my PNC account to keep XXXX from withdrawing money from it. Of course now PNC is sending me to collections for not paying XXXX 's fraudulant charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Several charges were levied against us upon terminating our lease for a XXXX XXXX XXXX. These charges included {$180.00} and {$150.00} for scratches, which are legitimate and we agree to pay. One is for a termination fee, which is buried in the fine print and obscured between various schedules. We  feel this sort of fee is very deceptive and was not adequately disclosed. The worst part is they offer to void the fee if you sign another lease with them, or buy a new car from them. So, you are punished if you don't do business with them, it's extortion, or at a very minimum a highly deceptive and unscrupulous sales tactic impeding on our right to make our own economic choices. 
Nonetheless we did agree to pay it in our letter sent last month, if only to strike a compromise because of the situation below. 

The fees we are formally disputing are two {$120.00} charges ( plus tax ) for " excess wear '' on two tires. The problem with this is that our lease permitted XXXX miles, and we turned the car in with roughly XXXX miles, so if there was any " excess tear '' it was because of issues with the product they sold us, and not with our use of that product. 

VIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: DE
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 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 2020-01-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During the week of XX/XX/2020 through XX/XX/2020 Navy Federal Credit Union charged me {$80.00} in overdraft fees. I was charged too many fees. This happened because when the posting happened Navy Federal did not post in order of when the charges actually happened, they charged the highest dollar amount first, then followed with the lowest dollar amount last, in turn Navy Federal made extra money on overdraft fees. I also made a deposit of {$490.00} on XX/XX/2020 and that deposit was not credited until XX/XX/2020. Because of all these overdraft fees my account became overdrawn because of the overdraft fees and more overdraft fees were added because of the overdraft fees. I will admit I had no idea my account was overdrawn until XX/XX/2020 when the {$490.00} deposit was made. I made an error in my checkbook. I called and requested help and received none. And then I remembered why I did not receive customer service. Navy Federal has placed a flag on my account recently that I was in bankruptcy ( which is 100 % payout ), so now when I call or go inside a branch the teller knows that I have a bankruptcy on file. I have no idea why it is a tellers business or a customer service representative, however when the flag was added I have been treated differently and looked down on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
my BROTHER XXXX XXXX XX/XX/2021, I HAVE CONTACTED CHIME SO MANY TIMES IT IS NOT FUNNY.I HAVE SUBMITTED ALL THE PAPER WORK THEY ASKED FOR EXCEPT HIS PHOTO I.D..I SENT BACK IN WRITING COULD NOT OBTAIN FROM STATE OF ILLINOIS DUE TO FRAUD PROTECTION.I AM TRYING TO RECOUPE MONEY FOM HIS ACCOUNT, BUT GOT NO RESPONSES AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXXS DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I came to Capital One located at XXXX XXXX XXXX XXXX, MD XXXX on Saturday morning XX/XX/22 with {$6500.00} in {$100.00} bills. XXXX XXXX waited on me. After putting my money through the money counter ( that I could not see ) she informed me that it was not {$6500.00} but {$5600.00}. She manually counted it in front of me and it was indeed {$5600.00}. She convinced me that I had made an error. I am not sure what she did but I do know that I brought {$6500.00} into the bank and gave it to her. I could not see the money counter machine when she counted my money. I believe she stole {$900.00} of my money. She caught me and a very vulnerable time. I had a lot on my mind. Taking care of my wife recovering from XXXX, other personal things and now this. The one thing I can not believe is that she would take advantage of an XXXX man and a United States XXXX XXXX Veteran ( I was wearing a XXXX T shirt and mask. ) I have seen thieves disguised as customers robbing the bank but never thieves disguised as bank employees robbing customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, XXXX and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a victim of identity theft of the XXXX  hack in XXXX. Portfolio Recovery Associates has listed a collections on my credit file as of XX/XX/XXXX. I noticed this collections on my credit file as of XX/XX/XXXX. I am a victim of identity theft and I have involved law enforcement officials to assist with this matter. I have attempted to contact the company for assistance. I have never had an account with XXXX XXXX  XXXX  nor have I had one in the past. In addition I have asked for a debt validation with bearing my signature that this is my debt. I have not received one as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CNG FINANCIAL CORPORATION
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Account information incorrect

Complaint:
the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion issues I keep running into the same issues with TransUnion. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to TransUnion, new address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a TransUnion membership since XX/XX/XXXX. 

XXXX XXXX XXXX apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.

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