BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car was purchased XX/XX/2016 and my payment is XXXX a month I called the company to make arrangements do to my pay not being on the XXXX of each month. The rep stated what day will work for u I said no later than the XXXX of the month. The response was it's not a problem. So they started calling me on the XXXX I stated to them I made arrangements to pay by the XXXX and was told it was not a problem the rep on the phone said that no one told me it was not a problem. So this month I payed XXXX on the car and made the XXXX payment on the XXXX now I am being called over XXXX saying it's a pass due late fee and they will take my car I stated to them I was never told I had a late fee and the rep said it's not her problem and I said I will pay it on the next payment due to me having a hard time and she said well we will continue to call u .I said I have been called more than 7 times a day she hung up on me.

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 2021-09-08
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Dear CFPB. I signed up for an American Express Hilton card offer where I receive {$10.00} dining credit per month on my card and have used it 7 times already for a total of {$70.00} per credit. Curiously, I've already used my card a couple of times this month at restaurants but didn't get the customary email notification that I'd redeemed the offer. I'm further puzzled whether I'm now supposed to receive a {$20.00} dining credit as an XXXX member. Surpass members receive {$10.00} dining credits per month up to {$110.00} total and XXXX receive {$20.00} per month up to {$220.00} credit. I had two unproductive chat sessions with Amex that did not resolve the issue, and in my experience the best way to reach customer service at Amex, sad to say, is by filing a complaint with the CFPB. I apologize for troubling CFPB with a {$10.00} issue, but I believe it is important that Amex honor their promotion and their chat agents did not resolve this issue. I have been an Amex customer for 14 years with a perfect payment record and fear the quality of their customer service function has going downhill, possibly due to COVID staffing issues which would be understandable, and hope you can help me get the {$10.00} credit Amex owes me. I would have not used their card for this transaction were it not for the offer they made but have, as of this correspondence, yet to fulfill. Thank you for your time in investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted Americollect, twice in 2019 and earlier this year about this situation. I explained to them that I had no debt with their business. And to send a copy of the agreement that I signed. I never done business with them before. They never produced the contract. So a few months go by they are still on my credit report. So I repeated the same phone call to them. Still no response. A year later it's been showing up on my report as customer dispute. The account was fraudulent and they refuse to get off of my credit reportting. I really hate their bulling tactics and unprofessional approach. I'm sure this is not the way things operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NY
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 has place an incorrect charge on my account. I have tried to resolve it directly, and they refuse to remove this invalid charge from my Experian report despite the evidence. I will be pursuing further investigations. 

In the meantime I ask that this be removed from my Experian report for the following reasons : In accordance with the Fair Credit Reporting Act 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 an 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 2020-01-22
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2020-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit card service of Citizens bank has refused to update that I paid off my credit card with the credit bureaus leading me to have an artificially low credit score during COVID-19 which is greatly impacting my ability to manage financially. 

I have called their customer service line multiple times to no avail, each time I am given a different excuse and a workaround explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
AMEX business platinum credit card 's representative informed incorrect information resulted in payment of unwanted annual fee / opening up a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection was placed on my credit report on XX/XX/XXXX for {$660.00}. I do not owe said collection for a XXXX bill from XXXX as it was paid in full. I disputed with XXXX and XXXX. This company is a junk debt buyer and should be shut down as they are not good for consumers or legal debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EdFinancial Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Account Validation To Whom it May Concern : This letter Is in response to your recent claim regarding account XXXX*, which you claim you have verified, such as I owe XXXX! 

You have failed to provide me the copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my wet ink signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau ant the Attorney Generals Office, should you continue in your non -compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, ant the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Furthermore, on your behalf to provide a copy of any alleged contract or other instrument bearing my wet ink signature may result in a small claims action against your company. 

I would be seeking a minimum of {$1000.00} in damages per violation for ; -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX. XXXX   XXXX XXXX, Ga XXXX SSN : XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Sentry Credit, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent XXXX XXXX XXXX XXXX several certified letters and their representatives have not replied to any of my request for validation. I sent certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.

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 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed insurance companies due to lower rate that i have done several times in the past. All information was sent over to Bank of America to send payment over, next thing i know is my policy was cancelled due to non payment. XXXX never got the payment from bank of america so i called Bank of America to see what happened and they sent the check out to wrong address and wrong payee. When i spoke to them they said a new check would be overnighted to them so this issues is resolved. It has been almost a month and issue is still not resolved. The new policy was sent over on XX/XX/18 in the amount of {$1900.00} ( check not received ), 3 times a week for the past month i have called them for status and nothing has been done, I last spoke to XXXX a manager at bank of america and he assured me it would be sent out. Still nothing has been sent out and i am without insurance on my home now.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-09-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Opened an Amazon secured credit card. I contacted Syncrony Bank asking for the account to be closed security deposit be closed and paid the balance. To date account has not had the deposit applied so that Syncrony Bsnk can charge me a late fee.

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 2018-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. 

I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. 

Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. 

I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. 

Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : 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 2021-09-08
Company: EQUIFAX, INC.
State: NJ
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:
I received an alert less than 24 hours that there was a hard inquiry pulled by the two companies listed below on the dates provided. I called both companies and Equifax to tell them these inquiries are involved with fraud. I never authorize the hard inquiries. I ask to have them removed. Under the FCRA Legally the unverified and unauthorized items must be removed. Please help? 


XXXX XXXX XX/XX/21 XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My prepaid XXXX card has been frozen and the funds were already in there I know a lot of people arguing with the same thing I've been dealing with this since the XXXX of XXXX XX/XX/20 I need my money they already saw the situation and I need my card unlocked unfrozen to be exact so if you can help with that problem I'm not trying to be homeless anymore I'm going through a lot of issues and I need my card to be unlocked So that's my plight right now so if you can take care of that thank you

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