BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-18
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Was not notified of investigation status or results

Complaint:
I sent a certified factual dispute letter to Transunion that was received by them on XX/XX/XXXX at XXXX. I called two weeks later to check on the status and the representative told me they had no dispute open. I waited another 2 weeks and called back to see if anything changed. That individual told me that they did not have any investigation opened. I have receipt of them receiving my letter. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt.

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 2016-12-16
Company: Receivable Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: First National Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: WV
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was sold an add on for XXXX XXXX in 2010 which the Bank has now informed that they are no longer selling. I have found that CFPB has an article describing my situation of this XXXX XXXX issue being declared an illegal action and has ordered the bank to correct the action of fraud. I have communicated with the bank and they informed they can only stop billing me and can return any of these charges. As described by the bank they were charging me for services that are already billed into my account. I was getting charged twice as a result. If it is required that I provide any documentation I will do so at your 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 2019-12-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Credit Collections Services on XX/XX/19 in reference to an attempt to collect a debt owed to XXXX XXXX in the amount of XXXX. In response to this letter I set up a payment plan breaking the above amount in to three payments to be paid via check with the first payment to received by XX/XX/19. I received an official letter from this company confirming the agreed payment plan in the mail dated for XX/XX/19. I mailed a check to credit collections solutions via priority mail on XX/XX/19 made out to XXXX XXXX, which is 9 days prior to the due date. I received a letter from credit collections services on XX/XX/19 stating that they have not received a payment as of XX/XX/19, and that they are canceling my payment plan. However in the same letter received on XX/XX/19 it clearly shows that the debt owed has reduced from XXXX to XXXX, which clearly proves that they did receive a payment. There would be no reason for me to make another payment until XX/XX/19 based on the payment agreement made with Credit Collection Services. Upon talking to one of their representatives on XX/XX/19, she insinuated that this is the companies standard practice, to send letters out to people stating that payment arrangements are being canceled even though they are actually adhering to the agreed payment plan. This person I spoke to on the phone was able to verify that they received a payment so there was no reason for this letter. Last but definitely not least, this company reported this false information on my credit report stating that they have not received a payment for XXXX when in fact per our payment agreement a payment would not be due until XX/XX/19. I find this very unprofessional and a form of retaliation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
RE : TRANSUNION I wanted to dispute an item on the Transunion online site but could not gain access. 
I had to register as a New User. 
I tried XXXX ( XXXX ) different user names to use and they were all rejected. 
There is a XXXX in XXXX chance that ALL of the names I tried to use as my user i.d . could have been already in place by " another '' user. 
They ( Transunion ) set up a special " button '' to use to file a dispute, .... however it does not allow you access. 
Additionally, there credit score numbers are always significantly lower than the other XXXX reporting agencies which has a negative affect on a persons credit score.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is my XXXX dispute regarding erroneous information on my credit report which the agency has had over 30 days to investigate and has provided no proof of said investigations which has willfully defied the FCRA and FDCA.

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 2015-11-18
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to obtain credit at a local bank and my credit union. I was immediately denied. When I asked why, they informed me that it was because of information contained in my credit report. 
I went online and purchased a subscription to view my report. I immediately saw an account that has reported 90 days late for the last 3 months. This account does not belong to me. I closed my personal account with XXXX XXXX years ago after paying off my balance. Their posting of the entry onto my report is unfair and unjust. I am requesting that it be immediately corrected and any creditor I applied for credit with in the last 4 months be notified of the removal.

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 2016-08-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an automatic Bill pay monthly to pay for the car payment. I received an email from my bank that the payment was made. I checked my credit report one month later and it showed 30 days late payment reported to the credit bureau. I checked the payment history with ally financial inc and found out that the payment was reversed by my bank and I never had the opportunity to know about it to correct it. I immediately brought my account current and I asked Ally Financial inc to remove this negative item from my credit report bcz it was not intentional from my part and it 's the bank who reversed it without my knowledge, they refused.

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 2020-06-09
Company: DISCOVER BANK
State: IN
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:
Discover Card has their Trade line name list twice on my credit reports as if they have lent something of value you to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Discover Card has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039.

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I went on XXXX XXXX XX/XX/XXXX and ended up in the hospital till mid XXXX. Went on vacation in Florida XX/XX/XXXX thru the XXXX, after the management meeting i had with the time share resort I'm apart trying to get rid of the property since i'm no longer in good health or finance to keep it, my cell phone and wallet were stolen. i tried calling on a land line to claim it had been stolen but was told that i had to call from a number registered to my card. i don't have a land line only the cell phone that was stolen. I didn't have the things i needed to get a new phone with me. With my health and life getting in the way i was not able to get a new phone till XX/XX/XXXX of XXXX, by then the thief had used my phone to charge over XXXX to my bank of America card and various other credit cards. i called all of the companies and told them what had happened they took care of it right away. Bank of America on the other hand keeps saying I'm on the hook and it wasn't fraud. I am very sick and with covid 19 i have not been able to work i am a single a mother I can not pay XXXX for someone else using my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Account status incorrect

Complaint:
I contacted TRANSUNION last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.

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 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2.XXXXN XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.

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