BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: AFNI INC.
State: GA
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:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: CA
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:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, XXXX and Experian : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, XXXX, and Experian on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

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 2021-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and Equifax and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX XXXX credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2021 I contacted Comenity Bank and proposed a settlement of XXXX to pay off my account. The woman I spoke with refused that amount and stated XXXX would be acceptable but only if I paid immediately.I requested an email stating the terms and outlining that the account would be settled in full. The Comenity Bank representative became angry and combative. She refused to either confirm a settlement in writing or transfer me to a supervisor. She yelled at me told me Comenity was a Bank and that she would mark our conversation as my refusal to pay. She then hung up on me. Yesterday I found out that Comenity bank called my adult XXXX year old daughter at her home and discussed my debt.My daughter is neither a cosignor or guardian of my finances and has never been used as a reference. We are estranged and have not lived together in over 30 years. This contact of my daughter is the issue. Is this negotiations by intimidation and harassment? The bank representative told my daughter they had 2 more people to contact. This is a threat that could result in my loss of employment and certian embarrassment because I have no other relatives so this would be reaching to strangers unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
NORDSTROM CARD SERVICES AGREED TO REMOVE ACCOUNT XXXX FROM CREDIT REPORT IF THE ACCOUNT WAS PAID IN FULL, THE ACCOUNT REMAINS ON THE CREDIT REPORT PER ALL 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I dispute items on my credit report with Transunion. 
1. Collection accounts - which i never got letter for example- XXXXXXXX - {$840.00} Never been to XXXXt, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry

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 2017-08-01
Company: EQUIFAX, INC.
State: CA
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:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, We have an existing mortgage with M & T Bank. However, they have been negligent in following up about taxes and overpaid the taxes due to an error of their own. 

Our new home was built on a former plot and it had a specific plot number. However, on the same plot there are two new homes. M & T did not bother to check with the town and decided to overpay taxes by nearly {$15000.00} that increased our mortgage amount by $ XXXX/month because of an error on their part. 

The town has acknowledged that the bank overpaid. The bank has acknowledged that they have overpaid. However, the bank has not credited us the amount of the overpay. 

We would like an immediate relief in the following format : 1 ) full refund of overpayment 2 ) interest for the amount of overpayment 3 )  recalculation of mortgage payment Thanks, 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 2020-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian refuses to update my credit report to include my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I have had these accounts for 3 months now and they refuse to report them on my credit report. 

We are in the process of filling a class action lawsuit against Experian.

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 2021-04-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued in small claims court for a debt repaid to the original creditor, who seems to have failed to notify any debt collector or have it properly stored. 

The company sent a small claims summons to a house I do not live at by certified mail which was delivered even though USPS has been notified to forward mail to my existing address. 

the amount they claim I owe is also far larger than I truly did owe ( about {$500.00} more ). 

But by USPS not forwarding the letter I will have not had enough time from actually receiving it ( my parents forwarded it but failed to bring it to USPS and just put it with other letter that USPS didnt properly forward ) so I will automatically lose the case in a state I do not live in ( so I cant show up even if I wanted to ) This creditor has

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this account, and have never had a card with this amount of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Paypal is charging hidden fees for all international money transfers by using exchange rates that are not accurate. I have sent numerous international payments recently and because of translation issues with my contacts I did not discover what they were doing until recently. Most of my payments are only shown in USD so I'm not sure the amounts in local currency they are actually paying out. I recently had to send a recipient an additional {$250.00} because he would not ship my goods as he had not been paid in full due to Paypal skimming off the top. Below is a recent example, their fees end up being around 8 % which is not what they advertise. 

Payment sent XX/XX/20 Details Sent to XXX XXXX XXXX {$500.00} Fee XXXX XXXX {$19.00} Total XXXX XXXX {$510.00} So this looks pretty straightforward but the problem is that XXXX XXXX is only {$500.00} if you use Paypal 's false exchange rate. Using the actual exchange rate my recipient only gets about {$480.00} and they're angry they haven't gotten a full payment. 

Paypal own receipt shows my recipient will receive {$500.00} but they do not. Is this legal? 

I've now discovered that they have skimmed hundreds of dollars from my transactions recently. How can this be legal?? 

I also searched everywhere for a location on their website that shows the exchange rates they use. Their help section claims you can go to a section of your account and show it but it doesn't actually exist. I was only given the link after contacting their help department so the false exchange rates they're using aren't even publicly available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: AL
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:
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus XXXX, and Experian about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and Experian with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus XXXX, and Experian.

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.

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 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-08-24
Company: Adler Wallach & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am federally protected consumer. AWA COLLECTIONS has violated my right to privacy, damaged my reputation and caused financial injury. AWA COLLECTIONS has received my affidavit of truth, my evidence, and my invoice for 15 USC 1692 violations. AWA COLLECTIONS has not responded with an affidavit to rebut therefore and unrebutted affidavit becomes truth. According to the remedy I stated as part of my affidavit, they were not only remove this alleged debt from my consumer report but also pay the invoice for the violations. I have submitted my notice of default and an opportunity to cure to AWA COLLECTIONS for the outstanding invoice because they have not responded properly to my affidavit. 

I am seeking payment by check for the invoice and an apology fro AWA COLLECTIONS. This is owed to me by 15 USC 1692, a code that all debt collectors are to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

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