BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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/21 I was charged for {$63.00} that I did not recognize. The transaction date of the charge was XX/XX/21. I called Bank of America for information. They said they would credit my account. Credit for {$63.00} was received on XX/XX/21. I later recognized the charge and called Bank of America to advise it was valid and they should reverse the credit. They debited my account for {$63.00} on XX/XX/21. At this point everything was resolved. 
Bank of America debited my account for {$63.00} a second time on XX/XX/21. I noticed the charge and called on XX/XX/21 to request credit for the duplicate debit but was advised there was no one there to help me and I would need to call back the next day. I called again on XXXX. The representative who answered transferred me to another department as she could not help me. The second representative said I was transferred to the wrong department. I had already been on hold for over an hour and requested a manager. She advised that no mangers were available and I would receive a manager callback within XXXX hours. 
XXXX hours later I called Bank of America again, this was on XX/XX/21. I spoke to XXXX. She requested home & cell phones numbers, I gave her both. She requested them again. I repeated. She said I will send you a text, I asked her to wait on moment while I turned the cell phone on. I told her it was powered on and she said never mind, she would call my home number. I said when? She said immediately. I told her if she did not call I would file a complaint as I have already spent over XXXX hours on hold. She never called but I did receive a text from Bank of America. But since she never bothered to call me the text code was useless. I want credit for {$63.00}.

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 2019-02-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for XXXX XXXX. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for XXXXXXXX XXXX and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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:
I do not know XXXXXXXX XXXX  - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing XXXX XXXX Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification. 

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act XXXX 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. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
I have recently reviewed my credit report and noticed some unauthorized accounts and inquires on my report and in accordance with the Fair Credit Reporting act Convergent account # XXXX along with 7 ( seven ) other inquires, has VIOLATED my rights.15 USC 1681 section 602 A states I have the right to privacy. you also have violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written or oral consent/instruction and I have not given neither. This has caused me emotional and mental stress and id like for everything listed to be removed/deleted immediately.

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 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

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 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Second Complaint - The deferment has not been placed on my account as promised on XX/XX/2020. I made all of the payments as promised. I called Fay Servicing on XX/XX/2020 to find out a late fee was placed on my account. I spoke to XXXX XXXX and asked to speak to XXXX XXXX, VP and to no avail. The need for a full investigation is needed in order to make sure Fay Servicing is following the law is needed in order to protect Consumers doing this Pandemic. I do not want my credit affected by the negligence efforts by Fay Servicing. I'm demanding late fees and late payments be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021

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 2020-05-05
Company: CITIBANK, N.A.
State: FL
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:
Purchased hotel room from XXXX. XXXX has ceased operations and there is no way to get in contact with them. I sent cancellation email XX/XX/XXXX for hotel room before the cancellation period ended. XXXX intentionally did not respond back to me until a week later when my cancellation period was over. XXXX has no number and does not respond to emails. Citibank requires i show proof of cancellation but XXXX never responded back to my cancellation email before XX/XX/XXXX. XXXX never paid the hotel and the hotel itself does not have my money. XXXX kept my money and decided to cease operations. Citibank closed my dispute and it stating to contact XXXX for a refund. How will I be able to contact a company that has ceased operations and has scammed thousands of people for money. There was no way to cancel the hotel room for XXXX from a website and their phone number no one ever picked up and now their contact information is useless as they have ceased operations. This is fraud. The company is a fraud and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The hotels have even confirmed never receiving money and cancelling hotel rooms due to Covid19. How can I get a confirmation email if they never offered online cancellation through a website or ever respond back to my email. THIS COMPANY CEASED OPERATIONS. WHAT PART OF THEY CEASED OPERATIONS DO YOU NOT UNDERSTAND CITIBANK. THANKS FOR THROWING A CUSTOMER OUT THE WINDOW AND ALLOWING ANOTHER COMPANY TO COMPLETELY SCAM ME AND SO MANY OTHER PEOPLE.

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 2018-01-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: CITIBANK, N.A.
State: PA
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:
Sent previous complaint via CFPB ( case XXXX ). Received reply from Citi declining fulfillment of bonus offer. 

Citi 's position is that I did not add offer to my account prior to using the card to pay the merchant. Their words, " our records reflect the offer was not enrolled or added to your account in XX/XX/2021. '' See the attached screenshots : " solicited offer terms and conditions.png '' shows terms and conditions for Double cash card ending in XXXX, valid for the period in question. 

" solicited offer terms and conditions file description '' shows screenshot taken on XXXX XX/XX/2021. Offer was added to my card on XXXX XXXX, long before I spent money at merchant on XXXX XXXX. 

" solicited offers XXXX '' shows offer valid in their portal at end of XXXX. Showing that I did in fact have the offer throughout the majority of the month. 

I am not alone in having trouble with Citi meeting their end of the merchant offers. XXXX website is rife with cardholders having issues with Citi.

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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 XXXX deleted Acct # XXXX from my credit file and I would like Transunion to follow suit and delete this tradeline 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 2018-01-19
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: IN
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:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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