BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I had a payment due on Sunday, XX/XX/XXXX. This payment was made on time. With my traveling and my records, I paid the statement date on time as well - but American Express has their records as having it been received on XXXX at XXXX. My records show a debit on XXXX - which would not have been made with a payment that day. In American Express 's records and in my records, we are dealing with a discrepancy of 16-20 hours, or one day. The interest charge is XXXX. I am asking for it to be waived as a one time courtesy. I pay thousands of dollars in annual fees - and there appear to be some error. Front line support agrees but can only credit {$200.00} - they are refusing to waive the rest of it. If there's an error - and we're already agreeing to waive {$200.00} of the {$320.00} - why can we not credit the rest of it? I've asked for escalation, and chat supervisors are refusing to do it - saying they can't with their policies - so I am submitting this complaint hoping the right person reads it and can fix the issue appropriately. I am appreciative and thankful for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every since XX/XX/2019, I have been writing and sending my personal information to XXXX & Trans Union to receive my free credit reports as date I javent received any of my credit reports.

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 2017-08-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1,, I received a letter from Citibank, N.A stating that i was enrolled in a credit protection program offered by this bank for which i was charged a monthly fee. And if i believe that i was enrolled without my consent or knowledge of the program costs or benefits to go to the website Citi.comRefundInquiry and submit a claim for a potential refund before XXXX XXXX, 2017 with the reference number XXXX and a tracking number XXXX which i found no way on the web to contact or communicate with customer service. I called CFPB and was advised to file a complaint.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Since XX/XX/2020, I have been back and forth with Transunion about unauthorized inquires being reported on my Transunion credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : XXXX DBA XXXX XX/XX/20 XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/XXXX I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.

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 2020-12-07
Company: Revco Management, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife had XXXX XX/XX/XXXX. After the XXXX no bills from XXXX XXXX were sent to us. Summer of XXXX we received a collections notice from Revco Solutions to which we immediately called. Between Revco and XXXX health it was determined that the wrong insurance was charged. I provided everyone with the correct health insuarance and now months later I get another notice from Revco Solutions. I literally just got off the phone with them XX/XX/XXXX @ XXXX explaining this. The were not willing to help but this time told me I could pay and take it up with my insurance. 
My primary health insurance has not changed since XX/XX/XXXX. Our secondary is XXXX since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received 2 calls and 2 voicemails prior to XXXX from Ford Motor Credit ( came in at XXXX ). Voicemail stated it was XXXX calling and that I needed to call her back at XXXX ext. XXXX. I've had this problem with them calling early like this before. I do have a debt with Ford but they should not be calling me this early - it is outside of the times allowed per the FDCPA. I want that to stop and XXXX to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
transunion has applied a fraudulent account to my credit report from XX/XX/XXXX. I have NEVER had an account with XX/XX/XXXX. I contacted the bank myself to check to see if there are any accounts in my name and they have confirmed that they have never had an account opened in my name yet the credit bureau is reporting that I had some sort of secure card with a bank that I have no banked with in no way at all. they are also reporting that i lived at XXXX XX/XX/XXXX. XXXX XX/XX/XXXX in XXXX. I have not lived at XXXX XXXX XX/XX/XXXX at any time in XXXX. I moved from that address in XXXX. They have reported the address twice on my credit reportXXXX is not correct. I lived at XXXX XX/XX/XXXX in XXXX. I can't live at two addresses at one time.

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 2023-08-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The leasing company did not report the payment debited from my checking account, I made the claim but they insist on the non-payment and with reporting my credit to collection agencies, I have evidence of payment and even statements where the payment is recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I believe that my Mortgage Servicer, HomeDirect Mortgage, a division of BOKF, NA, committed a material servicing error by failing to calculate escrow correctly and failing to pay taxing authorities in full. I believe this error resulted in a tax lien being placed on my property. 

A notification of tax lien was received at the property address alleging that I was a chronic delinquent payee. As the notice of tax lien seemed to imply a tax bill delinquency over a multi-year period, I believe HomeDirect Mortgage is responsible as they have not calculated escrow amounts correctly or have appropriately reviewed tax assessment notifications. 

I submitted a Qualified Written Request to HomeDirect Mortgage by first class mail on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a loan from Synchrony. 
I pay it monthly, but the problem is, if the due date falls on a Saturday, and the only option they allow is mail in or call in payment, if I call on a Saturday, the automated phone system does not work, and when I call back on Monday, I get assessed a late fee. 
This happened to me once. 
To avoid this I called and requested that they withdraw monthly from my checking account to avoid paying late fees and they refused over the phone, said I needed to submit a written request, which I did, through certified mail, on XX/XX/2020. 
To this day, the request has not been put through. Every month I believe the request has been submitted, and each month I receive a call indicating that the payment is late and a late fee will be assessed. That request was submitted via USPS, certified mail, and I have proof it was sent to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I need for the late fees to be reversed, for the automatic payment to be put through and for these to be corrected in my credit report. 
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 monetary relief
Consumer complaint received 2023-03-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection with all 3 credit bureaus ( XXXX, XXXX, & XXXX ) requesting written verification from Bull City Financial verifying the debt is in fact mine. However this information has yet to be provided to me. XXXX resolved the issue with my first dispute and removed the derogatory account from my report. XXXX and XXXX have both came back with the dispute as resolved, company confirms debt is certified, but no documentation has been provided. Nor did the collection agency ever try to contact me directly even before sending the account as unpaid to the credit bureaus. 

XX/XX/2023 - Disputed with XXXX XX/XX/2023 - XXXX dispute complete, account removed from credit report XX/XX/2023 - Disputed with XXXX and XXXX XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Account information incorrect

Complaint:
I noticed late Payments are inaccurate on my 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
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: AZ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX ; XXXX XXXX XXXX   XXXX  ( Original Creditor : XXXX XXXXT ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy 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 2019-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 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 2019-06-10
Company: Experian Information Solutions Inc.
State: KY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; 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 2019-05-31
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 12 XXXX   XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy 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 2019-06-10
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, XXXX is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.

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 2020-12-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank locked me out of my accounts so that Ill miss my payment due date. They do this so that they could charge customers late fees. I also have problems during payment process ( not applied fast enough ). After making a payment customers have to call the bank and request that their payments be applied to their available credit so that theyll have enough credit to make another purchase. Otherwise the credit will be applied one or two weeks after the payment is received.

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 2019-05-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Their investigation did not fix an error on your report

Complaint:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX 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