BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a child support account reporting on my consumer reports on both consumer reporting agencies. ( Experian and XXXX ) I want this account removed because it is an incomplete account and a paid off debt that has been closed since the year 2016. That statute of limitations on debt is 6 years in Tennessee. It has been almost 7 years later. The account is inaccurately reporting on both consumer reporting agencies and pursuant to the Fair Credit Reporting Act of 15 USC 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account mentioned is incomplete and therefore 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 explanation
Consumer complaint received 2018-11-01
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXX XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX  Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX. 

I demand an end to the harassment by XXXX and 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 2020-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received an alert today from my credit reporting as to a mortgage hard inquiry. It was from a bank- XXXX XXXX XXXX  XXXX I did not apply for a mortgage or any loan or credit card. It is reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This private student loan was opened in XXXX and I renewed an XXXX XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX Email : XXXX XXXX : XXXX Ext XXXX Fax : XXXX Nationwide Recovery Systems XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX, TX XXXX My first call with this company, the initial gentleman was beyond sarcastic and laughed at what I said numerous times, even saying I have plenty of money to pay this bill. 

A couple of weeks ago, the phone is answered in XXXX and the caller said " for XXXX 's sake, it's Florida, speak in XXXX. '' Today, asking for their payment and explaining the situation, the caller said she was filing a harassment claim against me and notifying her supervisor. She called me, I didn't call her and she was in no way threatened as I know better as an attorney to do such a thing. She hung up on me. 

Their practices of harassment, sarcasm, and prejudice, and now threatening to file a harassment complaint against me is in no doubt a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and Experian has refuse to follow the FCRA AS SET FORTH IN THE GUIDELINES OF 15U.S.CODE1681 CONGRESSIONAL FINDINGS AND STATEMENTS BOTH HAS VIOLATIONOF 15U.S.CODE1681 UPON RECEIVING MY CREDIT REPORT BOTH AGENCIES HAS COMMITTED FRAUD BY PPLACING MISLEADING INFORMATION ON MY CREDIT REPORT. SECTION. 604 FCRA SECTION 623 OF THE FCRA THE INACCURATE INFORMATION HAS IMPACTED 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 explanation
Consumer complaint received 2020-06-17
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue started when Fay servicing failed to pay my property taxers on time and based on an earlier complaint ( complaint number XXXX ) and many phone calls they agreed that they were wrong in not making the payment on time and they accepted full responsibility for the late payments accured. Since then I did refinance the loan with XXXX XXXX but as you can see per attached they did use my money held in escrow to pay these fines. 
I requested numerous times for my money used to pay penalties that they caused but I never got a call back or a response back. 
The amount I need to refunded from them is total of : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXXXXXX XXXX XXXX I went to Truist Bank after my parents passed to see what my parents had in the way of CDs or IRAs. I spoke with a lady at the bank and was told my dad had three CDs in the amounts of {$56000.00}, {$58000.00} and almost {$100000.00}. She even looked at me and asked what my father did. I told her he was an engineer. When my sister opened up the estate account, she said there was only {$79000.00}. Over {$20000.00} of this amount was from their checking account. I asked my sister about the difference, she told me they said thats all they had. Since she embezzled money from the company my father worked for years ago, I didnt believe her. She wouldnt share anything and would hang up on me when I asked about statements. She said she didnt have to tell me anything. It wasnt until I wrote her lawyer a letter about her behavior, she would create an XXXX spreadsheet that made no sense. I decided to get a lawyer. So far, I have spent {$12000.00} out of my own pocket. I had poor legal representation and now have to pay her court costs. My brother and sister have disowned me because of what Truist told me. I now have no family because of Truist. Truist has caused me to lose the only family I had left, spent thousands of dollars trying to get to the bottom of it and severe anguish and XXXX. This is so wrong they cant get away with this. 
I am a widow of a Chief Warrant XXXX XXXX that was in the United States 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 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 
15 U.S. Code 1666b ( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXX  continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT

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 2022-01-09
Company: SYNCHRONY FINANCIAL
State: IN
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 have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud

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 2019-06-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since the start of this loan I have made a {$49.00} principal only payment to the loan. That additional principal only payment isn't applied to the loan until sometimes 2-3 months later. I have contacted Nissan to explain to them what is happening on at least 3 different occasions, with the last time most recently. They told me they don't have any records where I have made principal only payments and requested I send them proof that made principal only payments. I sent them copies of cancelled checks where I have made such payments and haven't not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: OH
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:
A hotel that I stayed at made an unauthorized transaction on my XXXX  XXXX XXXX XXXX XXXX. The hotel was supposed to charge my stay to my XXXX which was given to the receptionist upon check-in. I asked the hotel to correct the error and they claimed that they did. They did not. I had to dispute the transaction on my XXXX  card due to the unauthorized transaction made by the hotel ; the unauthorized transaction maxed out my credit card limit. I made the dispute on XX/XX/XXXX. After disputing the transaction, XXXX gave me a case number ( XXXX ) and said " We are issuing a provisinal credit to your account in the amount of {$740.00} that will post to your account within 24-72 hours. This credit is considered temporary while we investigate your dispute, ... '' However, XXXX did not supply that credit until XX/XX/2022. I had to call and argue with the account specialist because the delay of XXXX supplying the provisional credit has decreased my credit score by XXXX points. It also seems as though the hotel charged my XXXX  card twice because it made my account- {$2600.00}. I was told I'd received a new card within 5-10 business days. It is XX/XX/XXXX and I still have not received it. I was told that it shipped out on XX/XX/2022. I inquired to XXXX how is my account- {$2600.00} when I don't have the card to spend anything. I was told that they applied the credit to the deactivated card and not the new card. It still did not explain the - {$2600.00}. Upon multiple phone calls with XXXX to resolve this, I received one provisional credit of {$740.00} on XX/XX/2022 but my account still says - {$550.00}. Prior to the hotel making an unauthorized transaction, I was still within my credit limit. I wasn't near maxing out my card. It seems the hotel made 2 unauthorized transactions that maxed out my credit card and decreased my score by XXXX points. The credit company delayed in providing that provisional credit and kept telling me " we have to wait until the investigation is done to give you a credit. '' I told them " your email said you'd provide a provisional credit until the investigation is done '' I cited the email they sent me that said that. I called XXXX on XX/XX/2022 to ask why my account still said - {$550.00} after the provisional credit was provided 11 days after I initiated the dispute. They could not give me an answer and refused to give me another provisional credit to make up for the hotel charging my card a second time. This has affected me financially, emotionally and mentally. I'm trying to get student loans for school with a fair APR rate. This whole situation has affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Comenity / Bread XXXXXXXX XXXX XXXXXXXX. They offer a promotion for any season ticket purchase over {$250.00} you have 6 months no interest promotion period. I made my season ticket purchase with the XXXX XXXX for {$4800.00}, directly with the XXXX XXXX ticket office. When the charge posted to my account there was no promotional period. I spent over a week going through their online chat to try to find out why it wasn't added with a promotional period. They eventually determined it didn't have one, even though it clearly states on all of the marketing literature that a promo exists. 

I then called them, spoke with two different supervisors ( the last of which was very rude and aggressive ) and the only thing they could offer was to dispute the charge in order to have it added to the promotion. The dispute takes two weeks and the balance on the card is due in a week and a half. They are essentially forcing me to pay the card in full to avoid interest charges since the dispute won't be complete until after the payment due date. 

This is very misleading and I still never received an answer as to why the promo period is being advertised but not honored.

Company response to consumer: Closed with explanation