BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX my wife and I got married and purchased a {$3000.00} XXXX voucher for a honeymoon trip to XXXX. Shortly after, COVID-19 was just starting to takeover things in the US. We had not booked anything and thought it was too risky, and we contacted XXXX to cancel the vacation on XX/XX/XXXX. 

They promised a full refund ( provided we hadn't booked anything yet which we had not and never have ) but never delivered. 

After going back & forth with XXXX  and them lying about promising a refund, we opened a dispute with Citi cards on the credit card we used to pay for the honeymoon. 

This has been an ongoing process with Citi that is STILL on going. It feels like no one is on our side. All the rules are favored towards the merchant ( XXXX ). I'm still fighting this dispute with Citi. I have no intentions of ever paying {$3000.00} for a trip that we were never able to take. 

XXXX 's contention is that they never promised a refund to our card, but instead for XXXX credit. This is a blatant lie. I've attached our saved conversations with XXXX where they make this lie even after a rep. explicitly promised us a refund to our credit card. 

I don't know why Citi has not closed this. It seems like its a never ending process. I dispute the charge, then XXXX gets a chance to " respond '', then the process starts all over again? 

I don't know when we started the dispute with Citi but it was in either late XXXX or early XXXX of XXXX. Again, its still on going.

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 2019-02-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish an inquiry on credit file. Company stated they will remove the inquiry 3 months ago.

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 2019-05-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good morning, This complaint is regarding a store credit card supplied by Comenity Bank. I made a payment on XX/XX/2019 to pay my balance in full. Apparently, I had {$10.00} in interest charges that I was unaware of. I never received a phone call, a letter, an email, or anything notifying me that I had a payment past due of {$10.00}. I only found out when my credit report monitoring service alerted me that there were negative marks on my report. They didn't even report the balance past due at 30 days, they waited until past 60 days to report it, so now there are multiple negative marks. My credit score has gone down over XXXX points for 1 missed payment of {$10.00}. I contacted Comenity immediately and paid the balance and all late fees. I wrote them a letter asking for a goodwill adjustment to my report and they refused. 

If I had received any notice that I had a past due balance, I would've paid it. My credit score was almost XXXX before this. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with TD Bank Auto Finance in early XX/XX/XXXX. I waited a few weeks for my title to come and eventually sent a message via their secure message center on XX/XX/XXXX. I received a message back saying the following : " Thank you for reaching out to TD Auto Finance to request your motor vehicle title. We reviewed your request and confirmed we released your title on XX/XX/XXXX to the address on file. If you have any other questions or need more help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance ''. 

Upon not receiving it by the XX/XX/XXXX, I called customer service and was told that the title was actually released on XX/XX/XXXX, which is the first instance that I felt was deceptive during this process. The associate told me that the title would be here by the XX/XX/XXXXat the latest. Upon still not having my title by XX/XX/XXXX, I called customer service again and was told this time that it would be here by the XXXX. I asked to speak with a manager, explained the situation and was now told that they could not guarantee when I would receive the title, contradicting both of the associates that I'd spoken with prior to then. 

I no longer know when I will actually receive my title and have lost out on 2 opportunities to sell my car because of the delay and false information from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a debt validation on XX/XX/2021 for validity of the debt and the reporting of late payments. I receive a validation letter on XX/XX/2021. On the letter it reflects a different payment of wait I have been paying. I have overcharged the entire length of the loan.

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 2022-03-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-07-10
Company: United Student Aid (USA) Funds
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The collection agency XXXX XXXX XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX/hour, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, sent dispute letter to Transunion in reference to inaccurate information and accounts. Sent Method of Verification letters on XXXX XXXX and XX/XX/XXXX. Items being disputed were a XXXX account for XXXX and a XXXX XXXX XXXX account for {$7100.00}. The following was included in letter : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. I have previously provide court notice to prove the inaccuracy. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
To this date have not recieved any of the requested details from any of the credit bureaus Transunion,, XXXX, or XXXX. Each has been sent multiple Method of Verification request as defined under FCRA 611 ( a ) ( 6 ) ( B ( iii ) This issue has been ongoing since XXXX and has hindered me in being approved for housing and is putting a burden on my son and his family and me with my 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 2022-08-05
Company: EQUIFAX, INC.
State: MS
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back around XX/XX/XXXX I deposited a check for XXXX roughly and on XX/XX/XXXX was charged a XXXX OD fee when it showed I had money in the account to pay for that, and also here in the last 2 days I have had problems logging on to transfer monies from account to cover any transactions from one account to another and they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Southwest Recovery Services, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 XXXX I sent a letter asking for verification of this debt. This account was paid in full and canceled.

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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
In reviewing my online account with Bank of America credit card services, I noticed my FICO  score had dropped by 5 points based on the explanatory note that I had applied for  credit too recently and it affected my score. I have been in the 820s and above for years and decided to contact XXXX ( which supplies the data to BoA ) to see what recent account was opened that I was unaware of. 

I downloaded my XXXX record and nothing showed so I followed up with a call. They said nothing on my record they could see changed and there had been no recent request for an account opening ; the last one was nine months ago on an account that was paid current, as all my accounts are. Further, this appeared to be a proprietary evaluation independent of XXXX that BoA was using and not a XXXX  specific model. 

BoA does not have a written inquiry resource on their Contact list, only phone in. I tried twice, and after holding twice, was transferred to their credit department and promptly disconnected twice. 

I am unable to find out what account they claim I recently opened, so unable to correct the record and restore my FICO   score to what it should be.

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 2021-10-07
Company: AES/PHEAA
State: OK
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:
I have been attempting to correct my loan servicing PSLF account with Fedloan servicing since XX/XX/XXXX. I have worked at my current government job for 6.5 years ( an approved and eligible government entity per studentaid.gov ). Somewhere my original start date on my paper work changed to XXXX instead of XXXX. I have spoken with fedloan servicing more than 10 times trying to correct this problem.

I have filed paper work signed by my government jobs HR department reflecting a start date of XXXX twice. Once on XX/XX/XXXX and a newer form on XX/XX/XXXX. 
They certified my employment from XX/XX/XXXX to current but refuse to correct payments from XX/XX/XXXX to XX/XX/XXXX, even with proper documentation. I have been told by fedloans to " just wait for it '' each time I contact customer service. 

I spoke with fedloan servicing regarding this matter in XXXX ( date unknown ) and on the following dates : XXXX XXXX XXXX Each time I was told the payments would change to reflect payment. To date they have not. After speaking with a CSR on XX/XX/XXXX, whom claimed they sent an email, I received a letter saying I was no longer eligible for TEPSLF, which I was NOT apart of as I am PSLF according to Studentaid.gov. 
I attempted to contact 3 times today ( XX/XX/XXXX ). Hold times were greater than 20 minutes. I requested a call back. Both times it stated this is the last time we will try to call back " name '' using this call back method and it disconnected. 
I have a total of XXXX eligible payments according to Fedloan servicing PSLF and I would like my account corrected to show the proper employment period with my approved government agency ( per studentaid.gov EIN Search ). 


I was referred to consumer financial protection bureau by the XXXX 
Please help correct this situation. I am hoping my account reflects properly before the servicers change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This complaint is in reference to the entry XXXX Account : XXXX entry listed on my Transunion credit report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from XXXX. XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from 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 2018-11-03
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. And i never and was not able or available to use ambulance at the time of the debt. Because i was imprisoned at the time.

Company response to consumer: Closed with explanation