BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: National Commercial Services, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 Amount is {$250.00}, Debt reported that's not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 disputed the late payments on XXXX XXXX Transunion refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-28
Company: Experian Information Solutions Inc.
State: DC
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 disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Experian refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-09-17
Company: EQUIFAX, INC.
State: SC
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:
Equifax has not acknowledged my identity theft reports I have sent to them per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: DISCOVER BANK
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:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Millco Management
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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-03-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been with Navient for a long time trying to repay my student loan. They made it really hard for me to bring the principal down. In several occasions I also paid an extra amount above the regular monthly payment but I did not see any evidence that I was making any progress. So, I decided to refinance with a different student loan company, XXXX. They approved my application for refinancing and sent the payoff check for {$120000.00} to Navient on XX/XX/XXXX. According to XXXX, the payoff check was cashed by Navient on XX/XX/XXXX ( unfortunately XXXX   sends the payoff checks via regular mail, so it takes a while to reach the other lender ), but my loan still remains unpaid and the interest keeps accruing on both the Navient and XXXX  loan. I contacted Navient today and I was told that they have no records that a payoff check has been received by them. This is totally non-sense since they cashed the check. How long do I need to wait to see my loan with Navient paid off? Since my loan with Navient is still outstanding, on XX/XX/XXXX I sent another monthly payment to make sure I am current with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: NH
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 recently discovered XXXX XXXX  was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

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 2020-06-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Around XX/XX/2020, I called Banana Republic Card Services for payment relief due to extraordinary circumstances due to COVID. 

They agreed to give me 3 months of {$0.00} payment due and kindly refunded me any interest charged on the account. 

I was told that I don't have to pay any interest due to COVID pandemic relief. 

Today XX/XX/20 I received a notification from my credit bureau that my banana republic visa card is over-limit and that my account is overdrawn and negative $ XXXX and my FICO score has dropped by 10 points due to this. 

How? 
I never logged in into my account because I receive email notifications, and they always said {$0.00} payment due. 

Apparently, even though they told me that I don't have to make a payment, they were still counting interest and compounding it. 

Now my account is overdue and I have derogatory remarks on my credit file on all three credit bureaus. 

I called Synchrony Bank to dispute this issue and they informed me that the interest waived was only a one time thing, even though I was told otherwise.

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 2018-11-28
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T.

1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT.

2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 

3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 

4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 

5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 
6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 

7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. 

THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX   TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. 

WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. 

PLEASE HAVE SOMEONE CALL ME ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Uber Technologies Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi I am needing help with my background check this is becoming a huge problem I am trying to apply for Uber as a driver and my background check comes back clear I am requesting a new background to help this matter for applying for Uber as a driver

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Account information incorrect

Complaint:
An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.

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 2018-12-14
Company: Georgia Student Finance Authority
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 information incorrect

Complaint:
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to Georgia student finance XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I contacted Citibank regarding a foreign transaction fee, of {$20.00}, which appeared on my statement. I was informed by the rep that my credit card was used in XXXX in XX/XX/XXXX. 

I was actually in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX, this is reflected in my credit card history. 

I have tried to resolve this issue with Citibank but they have only issued me a new credit card, I have not received credit while an investigation is conducted. In fact, when i contacted Citibank for a status update, in the XXXX XXXX of XXXX, I was informed that an investigation was not on file and that someone will contact me within the week. It is now XX/XX/XXXX and I have yet to be contacted.

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 2018-11-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Payment made XX/XX/XXXX was applied ~XXXX XXXX. I called to close my account and to receive a refund of the {$64.00} owed to me. I was told that the account would be closed and that I would receive my refund in 2-3 business days. The account remains open, and I do not hav the refund. I have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX by email, as well as a gentleman who assured me it would be refunded to me by today. I spoke to XXXX today at XXXX who transfered me to a supervisor XXXX who said that it had recently cleared their accounting department and should be in my account by the XXXX of XXXX. This is all unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

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 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
State: MI
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:
XXXX has been non-compliant with removing the unverified account SYNCB/JC PENNEY DC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that SYNCB/JC PENNEY DC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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