BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: WA
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 following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
XX/XX/22 DSNB MACYS, We already disputed this account.

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 2021-06-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification that my credit report had changed on XX/XX/2021. I logged onto XXXX and learned that a collection company called Wakefield & Associates had filed collection items on my credit report. I pulled my reports with XXXX and with XXXX and Wakefield & Associates was on all 3 reports. I placed a dispute on each report on XX/XX/2021, because I was never served any communications prior to them reporting on my credit, which is a protected act in the Fair Debt Collection Practices Act. 

I then called their office on XX/XX/2021 to speak with someone in charge. I was told I would have to leave a voicemail and wait for a return call. As of XX/XX/2021, I have yet to have the company return my phone call. Another violation of the Fair Debt Collection Practices Act. 

I am now searching for an attorney to sue Wakefield & Associates for fraudulently reporting inaccuracies on my credit report ( 2 instances ), no communications ( 2 instances ), not returning my phone call ( 1 instance ), defamation of character ( 2 instances ) and any other violations that may have been violated in both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-06-14
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report I notice there was an unverifiable debt in collections. I sent a validation of debt letter to the debt collector that's on file ( Afni ) and mailed them a validation of debt letter. They reported with a computerized response letter without my wet signature stating I owe XXXX XXXX XXXX money. I don't owe the debt collector XXXX Afin XXXX nor XXXX XXXX XXXX any money. I sent them a cease and desist letter, along with a affidavit of truth informing them to delete their trade line from my credit report with all 3 credit bureaus. 

Their contact info is listed below Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was told I could not pay off my loan because Great Lakes  (   XXXX    was the representatives name ) lumped all of my loa ns into one payment.   XXXX  told me that I have to satisfy my minimum monthly first before I can pay off my loan. My monthly payment is  one monthl y payment for all of my loans. Each loan was given a " token number '' but was rolled in to one payme nt. Each loan has different interest rates. I am trying  to payoff one specific loan that is a low balan ce but high rate. They told me that even though I have a monthly automatic payment set up that I CAN NOT PAYOFF THAT LOAN. They said I have to make the minimum monthly payment  FIRST! I am trying to payoff one loan that they took upon themselves to roll into one big loan. This is costing me daily interest that the company is profiting from by not allowing me to payoff my small loan that they rolled into one big loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). 
Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States.

QUESTIONS RAISED TO " CREDITOR '' : 1 ) Who is required to pay debts? 
XXXX ) What species XXXX requiring as payment? 
XXXX ) What legislative authority gave XXXX the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have an  American Express card . The card has a credit limit of  XXXX  dollars.  American Express ( Amex ) d evised a scheme that allowed a creditor to post charges to the card that exceed the credit limit by  XXXX . I did not request an increase in credit limit. I did not authorize an increase in credit limit. I did not consent to an increase in credit limit. The actions o f Amex frau dulently opens a new account in much the same wa y Wells Fargo  did without actually issuing a physical card.  Amex has often  refused to pay a creditor that exceeded the credit limit on the account by only a  XXXX  dollars. The purpose of the scheme was to create an account wherein  Amex  could collect high interest on an account that would be difficult to pay off. The action by Amex deprives me of the right to determine the means I could or would use to pay off a creditor.  Amex  denied me my right to negotiate payment to the creditor if I recognized the creditors claim as valid. Credit limits are not arbitrarily or capriciously assigned to an account. Amex operates as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX     XXXX   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has placed debt on my credit and this is not my debt. The debt showed up on my account from no other resources to show it belongs to me. This debt Is not mine. False information about the debt attached to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2021-12-11
Company: EQUIFAX, INC.
State: TN
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Product from. Bank. Not used or received.15usc XXXX  d abuse update secured savings balances and refunds of all transactions. XXXX  civil liability navy fed credit union is liable..15 usc 1605 truth in lending violations. 15 usc 1666a.b.c.d. treatments of credit balances.. 15 usc 1681 violations privacy act violations. Accounts ending 1665. And all transactions from last 4. 4114.last 4 ending refund demand from all transactions.. 1099 oid is requested and demanded on all accounts from checking accounts for tax purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Summary of the case : I am the owner of an account with a credit line with Synchrony Bank/ PayPal Credit XXXX 
On XX/XX/2021 I paid {$1000.00} to a XXXX manufacturer ( Manufacturer ) with my Synchrony Bank/PayPal Credit ( Synchrony ) to make silver jewelry for my small business. 

The manufactured jewelry was defective, and Manufacturer and I agreed to return the merchandize for repairs. Manufacturer has been in receipt of the returned jewelry since XX/XX/2021 and although he committed to a 2 weeks repairs deadline, he has been constantly delaying the repairs. 

On XX/XX/2021 Manufacturer mailed a package, 3 days after I have already opened a claim with Synchrony & informed him that I no longer wanted the merchandize & and that I would refuse any merchandize sent my way. 

On XX/XX/2021 Synchrony issued me a credit for {$1000.00}. 
On XX/XX/2021, Synchrony reapplied the charge of {$1000.00} to my account. 

As of XX/XX/2021 all updates from the XXXX tracking website shows Receiver refused delivery. XXXX will contact the sender for further instructions. 

I have unsuccessfully tried getting in touch with Synchrony to speak with the Dispute Department to explain the complexities of the case and to inquire as to why they reapplied the charge when the XXXX tracking number clearly shows that I am not in possession of the merchandize. 

As of today, XX/XX/2021, I have not received no meaningful explanation as to the reapplied charge from Synchrony when all the submitted evidence shows that I am NOT in possession of the merchandize and that I have NOT received the repaired merchandize. 

Attached : 1. XXXX tracking history for package XXXX showing that the package was NOT delivered to me. 
2, Original charge of {$1000.00} made with the Synchrony 3. XXXX  tracking history showing that the Manufacturer received the returned defective merchandize on XX/XX/2021 2021

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 2017-04-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got my property tax bill of {$2000.00} from town of  XXXX  and I paid {$2000.00} myself on  XXXX   XXXX  and posted on  XXXX   XXXX . Later I got a statement from my mortgogae lender  Santander B ank which stated they also paid the property tax on my behalf  XXXX   XXXX . I contacted the town of  XXXX  (  XXXX  ) and I was confirmed that there is no double payments and the only payment the town recieved was the  one p osted on  XXXX . I have contacted  Santander twice for the re imbursement, they insisted they paid o n    XXXX   XXXX  .I have provided them my payment record and asked the bank to show me their record, otherwise they need to reimburse me. They promise me to solve this problem by  XXXX   XXXX  and failed and continue to insist their payment on  XXXX   XXXX  while they cannny show me any proof. So far I have not got any reimbursement from the bank or any proof showing the bank did pay the property tax.

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 2019-08-08
Company: AES/PHEAA
State: FL
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:
I have a loan with FED LOAN SERV. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and FED LOAN SERV with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home in   XXXX   XXXX  . My school taxes for  XXXX  were not paid at closing but put into escrow to be paid in   XXXX   XXXX   by my mortgage company  franklin american mortgage company . However. eventhough the mortgage company had the money to pay the school taxes for  XXXX  they did not until they were reported late in   XXXX   XXXX  .  XXXX  county tax collector started sending letters to my home about unpaid  XXXX  school taxes. after numerous hours and calls to different reps at my mortgage co they assured me the taxes were paid in   XXXX    However, instead of my mortgage company sending them to  the county  they sent them to the local tax collector for my school district.  XXXX  confirmed she received the check from the mortgage company but is unable to accept back taxes and that she returned the check about  XXXX  to the mortgage company. The problem is now that i have a lein placed on my home by the county from the beginning of  XXXX  because they have never received the funds. i as the consumer have been helpless in this. no one at the mortgage company has helped nor frankly cared to expedite this knowing the urgency since my intial call in   XXXX   XXXX   XXXX  now i have a lein and derogartoty marks on my home which potentially effects my home owner standings, future loans, refis etc. This is unafir, unjust, and unwarranted. i need help legal help asap please! my voice has not been heard or validated by  franklin american  mrtg company and their incompetence has led to my terrible situation.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: GA
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:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

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