BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX/BELK. I had previously disputed this account. I have never done business with XXXX/BELK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/BELK provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/BELK Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.

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 2019-05-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, 2018, I had a paid off and closed my Citibank credit card. In XXXX, 2018, I was alerted that XXXX XXXX had charged me {$10.00} on my closed credit card. It was a fraudulent charge so I contacted Citibank they put me in touch with their fraud department, they asked me to call the XXXX XXXX phone number on my statement to refund and don't charge my account anything. XXXX XXXX  refunded the {$10.00} I spoke with Citibank they confirmed it was refunded but admitted that XXXX charged me again under a different XXXX name and Citibank paid them after I was in a fraud alert discussion in progress. The next month they charge me a late fee. I called them again and they said they would remove it and continue the fraud investigation. The next month I had two months worth of late fees and they said they would remove them. They admitted they had not given the information to the other branches of their organization to not charge me. The next month I was reported to the three bureaus for 60 days past due for paying the late fees they informed me they were and would be removed. I called them again about fear of this error showing up on my credit report. They informed me that it had already happened and they could not reverse the 60 days past due reported to the three credit bureaus. They said I would have to do it. I have been Out of Country for three weeks on vacation, and am now starting the process of repairing Citibank 's error and negligence. I need it repaired immediately fore I am self-employed and my business requires bank loans and secondary market loans for Construction Loans to build Spec home in process to sell and make an income. I am so furious with Citibank and their negligence and the time and delays on obtaining descent Loans that I deserve for having such great credit and repayment on time for thirty-eight years of reported credit!

I have previous statements showing interest charged on fraudulent activity and late fees and where the fraudulent company refunded yet citibank charged me interest and late fees when under investigation. 
I asked citibank to reverse and fix my credit report due to there neglect and they refused and told me to call and dispute it when they knew they were at fault. 
I was on a recorded line on citibank each time I called and they have the recorded conversations.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I just reviewed my credit report because i received an alert staying that my personal information my have been part of the XXXX  data breach

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 2017-11-17
Company: CITIBANK, N.A.
State: CA
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:
I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2022-08-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Yesterday XX/XX/18 i called bank of america in regards to overdraft fees for help and they refused to help, the woman hung up on me after wasting 20 minutes of my time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: STERLING JEWELERS, INC.
State: CA
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:
XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX  XXXX XXXX XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: NC
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 have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and will be filing a FTC report and Police report as well!

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 2018-06-02
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was alerted by XXXX, XXXX and XXXX  that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2019 a hard inquiry was made in my name by a credit card company that I didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied to get a home equity line of credit with XXXXXXXX XXXX. On XX/XX/XXXX, I faxed a letter to my mortgage carrier, Seterus to get a letter stating that a previous loan showing on the property title report was satisfied. I bought the home in XXXX with an FHA loan from XXXX XXXX. XXXX XXXX sold the loan to Seterus. In XXXX, I refinanced with XXXXXXXX XXXX  and the loan went back to Seterus. XXXX will not issue the line of credit until they have a letter from Seterus stating the prior mortgage was satisfied. I have contacted Seterus no less than eight times in an attempt to get a letter saying the previous lien was satisfied. I have been passed around and Seterus refuses to give me the lien release letter needed to show the previous lien was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Dear to whom it concern, On XX/XX/2019, I tried to transfer my membership rewards to my authorized flyer account ( XXXX XXXX ), however, I was notified that the system did not allow me to transfer my rewards because my account is " under reviewed ''. I contact the Membership rewards team customer service, they did not give me a specific reason what triggered the review. However, the representative told me it might take 6-8 weeks to finish the review, and before that, my membership reward points are frozen. She also told me if I try to transfer or use my points, the review process will take even longer so I was afraid to use my points during the time. On XX/XX/XXXX, I called the Membership reward team again to ask if my account is finished reviewed by the team and if my points were unfrozen. The representative told me that my account is NOT being reviewed anymore, and he was sure that I can start using my points successfully. On the same day after the phone call, I tried to transfer XXXX points to my XXXX Account through the membership rewards website, but the system still did not let the points go through. I called the general customer team immediately ( because the Membership Reward team was closed at the time ), I told the representative that I was confused because the MR team representative told me I can start using my points but I still can't, and I was also worried that the review process may take even longer because I tried to transfer my points during the time when they are still reviewing my account. The representative told me not to worry because if the MR team gave me the wrong information, they have the responsibility to make the review process shorter. On XX/XX/XXXX, I called the MR team and the representative told me my account was still being reviewed and apologized for giving me the wrong information yesterday, however, there was NOTHING they could do to release my points or make the review process shorter. I am very disappointed because it was not my problem that my account is under review ( every purchase on the statement was normal I really do not know why they are reviewing my account ). Also, the MR team gave me the wrong information causing me trying to transfer my points during the review, which led to a longer time of the reviewing process. I am kindly asking if they can release my points because of the mistake they made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There have been several attempts to foreclose in my home without success because of fraud and forgeries. 
XXXX XXXX Circuit Case # XXXX- the plaintiff dismissed the case because of fraud XXXX XXXX Circuit Case # XXXX- Declaratory Case, the judge denied Ditech/ Greentree the mortgage servicer equitable title, equitable mortgage and the ability to enforce the note. 

XXXX XXXX Circuit Case # XXXX even though the plaintiff Ditech knew there was no equitable title, mortgage & no note to enforce a foreclosure was filed again. After mediation the judge told the plaintiff to close the case. 
Ditech is fraudulently selling the mortgage serving to XXXX XXXX XXXX. The mortgage accounts have been removed from my credit report and Ditech told me to contact the title insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CNG HOLDINGS INC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a lease through XXXX for a washer and dryer. When I log in, two different leases show up and I am unable to make my payments online. I call in to make a payment on XX/XX/XXXX for my XX/XX/XXXX due date. I asked them will this payment cancel out the automatic debit that comes out on the XXXX and I was told yes. Here comes the XXXX and I get an email that my payment has failed. I call in to get an explanation and they say it was a system error. I log in JUST NOW to make a payment EARLY and I am unable to. I also see that they charged me a {$20.00} return fee for a failed payment on XX/XX/XXXX! This is incorrect because I paid them EARLY and they attempted to charge me TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Eastern Account Systems of Connecticut, 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:
Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went away to art school, purchased an international phone plan and was charged anyway. Multiple attempts to dispute it and was not receptive to the communication problems that the sales rep and I discussed. Debt was not properly discussed and international wireless plan was not communicated properly.

Company response to consumer: Closed with explanation