BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to dispute the following information that appears on my XXXX consumer report : XXXX XXXX XXXX XXXX - # XXXX on credit report Source of dispute information Wells Fargo Type of disputed information : Charged off Mortgage Date reported : XXXX Explanation of item being disputed : o The current status of my account is not correct. XXXX XXXX XXXX has reported my account as being charged off. I was never notified of any action taken by them I had an attorney working with them during this time. I was able to sell the secured property and Wells Fargo provided a payoff statement to the settlement company, accepted the full amount due on the loan from the settlement company and I have a 0 balance. The charged off status should be removed. 
o At no time was I or the attorney representing me or the settlement company notified that this loan had been charged off o I am attaching the credit report information disputed o I am attaching the payoff provided to the settlement company o I am attaching the signed Closing Disclosure showing the sale of the property and the payoff to Wells Fargo closed on XXXX/XXXX/XXXX o I am showing the full lien satisfaction and release recorded on the land records provided by Wells Fargo recorded on XXXX/XXXX/XXXX o I have attempted to work through XXXX to resolve this and cant get anyone to assist me Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a settlement with XXXX XXXX XXXX, XXXX on XX/XX/XXXX on an XXXX ( AMERICAN EXPRESS ) ending XXXX, XXXX XXXX XXXX, XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX, XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Bank Of America increased my interest rate on my credit card from 10.24 % to 11.24 % during my last billing cycle with no notification to me as the consumer of a rate increase. This account has been open and in good standing for over 7 years with no change in interest rate or credit limits until this last billing cycle. During attempts to resolve with Bank of America they confirmed that no correspondence was sent to me as required by federal law to notify the consumer within 45 days of any rate changes. Despite Bank of America 's admittance that no notification was given prior to increasing the interest rate, they continued to refuse any resolution.

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 2017-11-09
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank at XXXX XXXX XXXX/Hancock Bank in XXXX, Louisiana. I recently had 10 unauthorized charges on my checking account # XXXX. I disputed this with the bank and after they reviewed the charges they sent me a letter saying that nothing was wrong. I DID NOT make these charges and I DID NOT authorize these charges. There were 10 separate charges for a total of {$610.00}. If you need documentation of these charges I have the documentation. I would like for these charges to be refunded back to my checking account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
These people are very unprofessional! First I refinanced my loan with them only getting {$100.00} out of it. When I went in that day, they had a kitten that they found outside locked in a room in the back! No food or water! Then XXXX put " optional insurance '' on my loan but didn't tell me it was optional! I had to call corporate and have them take it off. Third, on Friday XX/XX/19, XXXX XXXX called me at work! On my work phone! When I told her I needed something sent to me to show what I owe because I was about to file bankruptcy, because they never gave me any paperwork, she LAUGHED and said I couldn't file them on bankruptcy because I hadn't made my first payment. They let me skip my payment for XXXX, for " customer appreciation '' month but didnt tell me I was going to have that interest put on my first payment after I refinanced! I'm very dissatisfied with the way they do their customers and after reading other reviews about them, I'm starting not to trust them at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me 2 overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: CO
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:
I have a charge made for {$58.00} with XXXX. I disputed because I did not recieve the merchandise. The merchant failed to provide proof that the flowers were delivered to the shipping address. Under the commercial code the merchant is liable for any item I did not recieve. Chase incorrectly sided with the merchant on the dispute WITHOUT ANY EVIDENCE THAT THE ITEM WAS DELIVERED TO THE DESTINATION. I sugguest chase should take a hard look at this and apply the standards of a dispute for this. Please refund the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX Merrill + Signature card by Bank of America.

One of their benefits for using the card is to get to Level + for some specific benefits. I did reach that goal and I want my {$200.00} travel credit for the airline fees. However, the number they have provided is only for Bank of America and no one can reach Merrill Lynch for the reward benefits. On their website XXXX on page XXXX and XXXX it clearly states the benefit of {$200.00}. Also the phone number to reach XXXX. This number goes to Bank of America which can not access the Merrill Lynch benefits. I have credit from last year that has not been resolved ( {$200.00} ) and this year for additional ( {$200.00} ). I would like a total of {$400.00} credited to my account. Below is right out their catalog. 

Travel Credit Up to {$200.00} Travel Credit After you qualify and enroll, your travel credit can be used toward air incidental purchases across multiple airlines. And your credit is automatically applied to your card statement no need to call for reimbursement. 
A wide range of travel purchases can be offset by your travel credit, such as : Seat upgrades In-flight meals and beverages In-flight Wi-Fi Airport lounge day passes Your travel credit can also offset travel expenses, such as : Baggage fees Flight change and cancellation fees Expedited check-in fees Global Entry application fee To check your current spend status, call your financial advisor To enroll in the Travel Credit once you qualify, call the Rewards and Benefit Center at XXXX and say Card Benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a settlement with XXXX XXXX XXXX XXXX on XX/XX/XXXX on an XXXX ( XXXX XXXX ) ending XXXX, XXXX XXXX XXXX XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner

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 2017-12-28
Company: CITIBANK, N.A.
State: NJ
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 have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business 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 monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2017-07-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Throughout the last year I have attempted to login to my NAVIENT account and make payments, schedule payments and review accounts. My login information was inaccessible and I was unable to recover login info by my date of birth and social security number. Their system says there is no loan corresponding to my identification. My interest continues to grow and all representatives ive spoken with confirm over the phone that I have accounts but I am unable to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed and agreed to be on a repayment plan with Navient. We went over all the amounts and what the payment amounts were going to be. I was paying for several months and then I got an alert about negative reporting on my credit bureau. 
Furthermore, I was making the payments every month for the amount we agreed upon which was XXXX per month. I continued to pay this and they were reporting all of my student loan accounts as 90+ days delinquent. This caused my credit score to drop to XXXX. I had credit cards closed and credit limits lowered because of this. My wife and I were in the process of trying to purchase our first house but this has put a hault on our plans. The payment plan started on XXXX XXXX XXXX. I contacted Navient about this situation on XXXX/XXXX/XXXX and had to speak with the collection department. They informed me that it was my responsability to make sure everything was up to date. I advised her that I was under the impression that I was on a payment plan and Navient was automatically taking the money out of my account each month. Not once did they contact me and say that the payment terms that I agreed to were not correct and that my accounts were past due. Navient continued to take my payments each month and still report my accounts past due to the credit bureau. I do not feel this is right because I agreed to a payment amount and set up automatic payments and I was still being reported as past due and I would not have known unless I got an alert about my credit. 
Navient called me on XXXX/XXXX/XXXX and left a voicemail on my phone which I have saved. The Navient representatives 's name was XXXX and he was from the office of credit collections department. He admitted that Navient made a Mistake and that they were working on fixing the promlem. The problem has not been fixed since then and I have not recieved another phone call from them to update me about this situation. This situation put me in a bad position and was one of the determining factors that made me decide to file bankruptcy because Navient had such a negative impact on my credit that I would not have been able to get everything back on track. I hate that this happened and just want to see what my options are because the majority of my student loans are with Navient and they ruined my credit after I worked so hard to get it to an acceptable level. I have also been being charged for late fees from over a year ago and I always set up payments with Navient. So this is starting to get ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX 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 2022-03-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a small business owner with multiple accounts with Wells Fargo. On XX/XX/2022 I deposited a {$22000.00} CERTIFIED CASHIERS CHECK into my business account. On Monday, the check was showing on hold so I went to a Branch to see why they were holding a Certified Check in a business account. I was told the hold was placed by another department, and they could not help me at the Branch. I went to my car and called Customer Service who told me the check could not be " verified '', so they had to place a hold on the check. I went to the bank the Certified Check was drawn off of, and they verified it was their check and it was valid. I then called the small business department at Wells Fargo to let them know I needed this released, as I had an obligation to make a wire transfer by close of business with these funds. I was transferred to the Fraud Department, where I was placed on hold for 33 minutes and never able to speak to a person. 

Friday, XX/XX/XXXX, I call the small business line again at Wells Fargo as funds are still not available. XXXX hour XXXX minutes later, and I don't know how many departments later, I am told they need a Notarized Proof of Payment Letter from the payee bank. I called the payee bank, and they have never heard of such a letter in their 25 years of banking. At this point, I consider my money to have been stolen by Wells Fargo.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I sent Experian a certified letter in which they claimed to receive On XX/XX/XXXX. The letter was pretty stand forward involving one public record in which I requested my Rights under Section 609 ( a ). I wanted to know the source that gave them the information in order to verify the information with the source that provided Experian. I also requested for them to send me this information via mail. On XX/XX/XXXX Experian emailed me the results which were very bland and told me the account remains and that the company who provided Experian the information states that the information is accurate. In this case Experian violated my FCRA rights by not providing me the sources in my credit file.

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 2017-07-07
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with explanation