BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
, XXXX, Experian you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX I request you remove it also

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 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 transunion on XXXX XXXX by mail to dispute inquires that were unauthorized by me. I have tried to contact them several times by phone stating that the inquires were not authorized by me. I stated that I felt that that were done my third parties companies. It has been over 30 days and I have not receive a response from transunion. I have requested several times to have these deleted. I also tried calling them on XXXX XXXX and XXXX XXXX. They stated there is nothing they can do and they will remain for 2 years. I feel for these inquires to remain is unfair to the consumer. The FCRA states that the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. I would like the below inquires remove. 

XXXX XXXX FXXXX 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 2017-08-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1.My mortgage company refuses to reimburse me for bank charges they caused by attempting to withdraw funds 3 days early. 
2. In the last 5 months I have received foreclosure notices because this mortgage company claims I was late or did n't pay, which is incorrect, I have always paid on time and have copies of there records and my bank records to prove I was always on time and they reported me to the credit bureaus as being 30 days delinquent for XXXX, XXXX, XXXX XXXX of XXXX and this company refuses to retract this error. 
3. I have bee billed for late charges in the past 5 months to the tune of XXXX. All of which are not valid. 
4. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they failed to post my monthly mortgage payment. 
5. I have written to this company with these complaints and theey refuse to change there position. 
6. They have increased my monthly mortgage payment by XXXX per year without an explanation. 
7. I sent them additional funds to cover an escrow shortage that were not posted.

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 2020-02-18
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX XX/XX/XXXX to XX/XX/XXXX in XXXX, XXXX, XXXX XXXX and my military star card account have fraudulent charges from carpets, novelty merchandise, and jewelry I reported it to the PX manager and they replied : they will investigate the vendors from the base and they will take the necessary adjustment. I got home and there are no notes or complaint I made from the incidents. I took steps from my chain of command to complain everything but AAFES never consider investigating. They have taken multiple of my tax returns and still no avail of remedy. I have been the victim of fraud and still no solutions for the injustice. Can you please let me know how to resolve this difficult tragedy. I have no more income and only depending on my XXXX. Soon they will garnish it.

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 2021-06-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDERECOVERYSYSXXXXXXXXXXXXXXXXXXXX,TXXXXX(XXXX)XXXXIhavespokenwiththiscompanyonnumerousoccasionsaboutdebitthat,isnotowedorhasnovalidationeverysooften,theywill"refile''olddebtasnewdebt,(thisusuallyhappenseverysixmonthsorso.Ihavesentnumerouslettersaskingforvalidationofsaiddebtwithnoresponse,ihavealsodisputedthedebt,atwhichtimetheyrenewthedebtwithanewamount.TheoriginaldebtorisXXXXXXXXXXXXtheycurrentlyshow5debtsthati"owe'',andwhenIlookedthiscompanyupitstatesthatitisahospitalinanothercountythatIhaven'tbeentooinover7-10years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by Chase. On XX/XX/2019 I made my XXXX mortgage payment early. I had autopay set up with Chase, and Chase drafted a payment of {$3600.00} on XX/XX/XXXX, even though the XXXX payment had already been made. This overdrew our checking account, and I had to spend considering time and expense rectifying the situation. 

I did not expect that Chase would do this because 1 ) The autopay page on their system showed XX/XX/XXXX as the 'due date ', after the payment for XXXX had been made and stated 'your payment will be drafted *on the due date* ' 2 ) I had at some point been assured by a Chase CSR that they wouldn't do this. 
3 ) I have never had a servicer do this ; there is simply no reason for a servicer to take a payment which has already been made three weeks earlier, the autopay authorization not withstanding. The autopay is an authorization to take the payment *on the due date*, not to process payments arbitrarily. 

Chase 's position is that they did nothing wrong. They claim that the XX/XX/XXXX draft was taken so as to be applied to XXXX payment ( see attached correspondence from Chase ). Moreover they say that on XX/XX/XXXX they sent me a text warning me that the next payment would be drafted in XXXX. I attach the text, and it has all dates omitted due to an error in Chase 's system. 

Chase has capriciously set up a system which takes payments whether or not they are due - there is no reason for them to take XXXX 's payment in XXXX - their own system had confusing and misleading information about when the next payment would be taken, and their notification system was defective, omitting dates in a key text. 

Their reckless behavior could easily have lead to a disaster had I not noticed and rectified the overdrawn checking account that day. They have refused to take any responsibility, or compensate me for the time and expenses involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls my # from about 50+ " spoofed '' numbers for someone else 's debt. I have told them the debt isn't mine and requested them to stop calling, but they persist and call at least 6 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a {$1400.00} loan for emergency housing needs. I am a senior and was not aware of the {$7000.00} plus repayment for the amount of this loan. My daughter who helps with my bills was reviewing my account on Saturday and was " livid '' when she learned I had money coming out of my checking account from a " predatory lender ''. We put an automatic " stop payment '' on any future withdrawals. I did not understand this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 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 explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, and Trans Union will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report XXXX : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 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 2017-08-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute in XXXX 2017 to Transunion regarding the reporting of 2 state tax liens.  Transunion stated that the information was verified as accurate. Transunion lists the reporting agency as XXXX County Recorder ( XXXX ) XXXX. I contacted Transunion for additional information and I was told by the Transunion customer service representative to contact the number listed on my credit report for XXXX County Recorder. I contacted the number listed and was advised that they do not report information to the credit bureaus and that they can not verify if the information listed is accurate. I am requesting that Transunion delete this information based on the fact that this information is not submitted by or reported to Transunion by the XXXX County Recorder.

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 2022-08-29
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How much does XXXX charge municipalities to bill customers for tolls and taxes? XXXX and XXXX dont add surcharges to toll and tax bills, but XXXX apparently does and is therefore incentivized to charge their customers for taxes and tolls that arent due or owed. I will be submitting a Rule Making request about this officially to CFPB - but Auto Financing companies shouldnt be collecting excise taxes or tolls for a fee. 

In their prior complaint response ( XX/XX/XXXX XXXX ) KIA admits that they are charging me for XXXX excise taxes that I do not owe. They admit they requested a refund from the Municipality ( XXXX XXXX  XXXX ) and that I should pay them this money even so. Yet after they responded to the CFPB saying this, they sent me a letter saying they will put my account into collection on XX/XX/XXXX for this money I dont owe. I moved away from that town a year ago. 

Their first response ( XX/XX/XXXX XXXX ) says that the taxes due were for XXXX which was an outright lie because I had paid XXXX taxes over a year ago. I supplied proof previously. 

I will be filing a lawsuit against XXXX to claim damages from this harassment that Ive received from them since leasing this car. I was overcharged by dealer, then XXXX  refused to acknowledge that I surrendered my prior XXXX ( when I took possession of present car ) and they tried to force me to pay for the surrendered car too, then 2 bad tires on brand new car and they refused to honor the warranty and now this. Not only is this illegal behavior it is also discrimination. I am certain if you look at your statistics you will see that theres patterns in their abuse - especially age and gender. 

This is systemic abuse and I can not help but think that if they were forced to keep Hyundai Motors Finance customer support functions onshore that this wouldnt happen in the USA. Theres financial incentive causing this abuse to occur. Its happening because it is offshore. Americans wouldnt needlessly hurt other Americans like this. This company is toxic due to this.

Also someone in XXXX leadership is not smart thinking that their customers are disposable and that hurting customers makes wise business sense. Especially someone like me who is repeat customer and never has been late on a car payment ever in my life. 

The amount of stress that this company has caused me is unconscionable.

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 2019-11-27
Company: Experian Information Solutions Inc.
State: NJ
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, Experian, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 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 2022-08-29
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday morning, XX/XX/XXXX, at approximately XXXX XXXX ( Pacific Time ), I  received a telephone call at my office from XXXX XXXX XXXX XXXX. 
The caller identified herself as " XXXX XXXX '' ( " Caller '' ) working for a firm collecting monies I owe " XXXX XXXX '' ( " Bank '' ). The Caller informed me I was about to be sued, and, in the instant case, she was working with an attorney in the office of the district attorney , County of XXXX XXXX. She said I would soon be served if I did not pay the amount due. 
The Caller 's tone was stern and her message intimidating and threatening. 
I told the Caller that I did not know the Bank. I advised the Caller she had contacted the wrong person. 
The Caller informed me I had made loan payments for five years and wanted to know why I had stopped making payments. 
I reiterated that I had conducted no business with the Bank, had made no payment to the Bank, and owed no money to said Bank. 
I told the Caller I was in my office and could not take personal calls, and, with no further comment, ended the call. 
Even though the Caller had been advised she was calling me at my office, on XX/XX/XXXX at approximately XXXX XXXX ( Pacific Time ), while I was in my office, my telephone registered a call from the same number from which the original Caller had called on XX/XX/XXXX. I did not answer that call. No voice mail message was left. 
During the week of XX/XX/XXXX, I received via United States Postal Service first class mail a notice from ARA , Inc., identifying the original creditor ( XXXX XXXX ),  the original creditor 's account number, the balance due, and the ARA, Inc., file number. The notice is included in the attached .pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to Convergent Outsourcing , Inc., act # XXXX and XXXX XXXX, XXXX act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe

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