BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-26
Company: CITIBANK, N.A.
State: MA
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:
I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!

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 2018-02-25
Company: EQUIFAX, INC.
State: TX
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:
equifax and XXXX both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit management Inc repeatedly called my grandma XXXX XXXX and my uncle XXXX XXXX. They shared personal information of my debts. I am not sure of what dates but in last few years. They should not have called them. How would they even know we were related and shared my info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX  residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally  performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX  Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and  XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: LA
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 Wells Fargo Financial XXXX reported negative marks PAYS 30 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 monetary relief
Consumer complaint received 2019-01-26
Company: Bread Financial Holdings, Inc.
State: IL
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:
I am filing this complaint today because of invalid information reported on my credit report. 'XXXX XXXX/ XXXX XXXX ' XXXX XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
I have an American Express Platinum Card which I use mostly for travel. Due to COVID-19, I had to cancel an expensive cruise with XXXX XXXX, prepaid cruise excursions, an RV trip and Lodging, that I had prepaid in full with my Amex card. All the merchants have refunded the total monies I paid them. I have been calling American Express for 3 months now and opening dispute after dispute. After 2 months, and over 20 phone calls, they finally sent me a check, but the check was deficient by {$2500.00}. So I had to open another dispute for this amount. They closed my dispute without explanation and without resolution. I have given them an accounting of all the charges, all the credits, all the payments made, and illustrated CLEARLY how they still owe me {$2500.00}. They just continue to ignore me. I found this consumer financial protection bureau hoping that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called boa several times to try and get my home equity line of credit to a fixed rate. In the beginning they never tried to help me. Then I called again and again and denied any kind of work out. Now I got another package where they send not to try and do modification to a fix rate but they sent paperwork to do another equity line of credit with variable rate subject to change again. I need help I am older woman looking to a loan mod with a fixed rate

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 2020-06-24
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have on multiple occasions reached out and disputed a collection listed on my credit report with convergent outsourcing Inc as well as XXXX   and XXXX. The two credit bureaus keeping sending me back that the debt has been deemed verified but it is not. I have absolutely no idea about this account and it can not be verified as mine by the credit collection agency. I spoke to a representative at Convergent Outsourcing named XXXX in attempt to verify this collection. I advised her that it is not mine and I have no idea about it. I asked her to send me a copy of a contract or legal document bearing my signature. I was advised by her that they don't have anything with my signature or anything to validate the account is indeed mine. She said they were just tasked to collect and are doing so. She went on to advise me that she did not need to validate any information to collect a debt. I then contacted the credit bureaus back for the third time to advise them of my conversation with the collection agency. I advised them that they can not validate my debt so therefore how could the collection agencies. They advised me to call the collection agency to deal with it. Mind you not on three previous attempts I mailed dispute letters to both XXXX  and XXXX  to disputed with no resolution. I am entitled to a complete and accurate credit report and this collection violates that. I am asking for assistance in rectifying this as it is not my account.

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 2017-12-08
Company: Experian Information Solutions Inc.
State: IL
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:
After many attempts to resolve this issue, Experian and XXXX continues to report the following items : XXXX : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) Experian : XXXX XXXX CT IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...

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 2019-01-26
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 have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after XXXX finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this 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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
All of a sudden on XX/XX/XXXX information from XX/XX/1996is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!

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 2017-08-05
Company: Experian Information Solutions Inc.
State: AZ
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:
All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still sh ows a BALANCE OWED etc.,  which is not accurate.

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 2018-06-06
Company: Navient Solutions, LLC.
State: CA
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:
Earlier this year, when Navient notified me via email on XX/XX/XXXX, that my student loan payment would increase, I followed the online link to renew Income-Drive Repayment for another 12 months. I received confirmation from Navient that my IDR had been approved via email on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Navient that my monthly payment would increase to {$620.00} as of XX/XX/XXXX.

I sent an email on XX/XX/XXXX, to the Office of the Customer Advocate, posted on the Navient Web site as  XXXX, with the following email : " Dear Navient advocate : Thank you for reading this letter. 

I just received an email from Navient stating that a payment of {$620.00} -- the full amount that would be due under a non-income-based repayment plan -- is due on XX/XX/XXXX, despite my having renewed my request to Navient for an income-based repayment plan earlier this year. In fact, Navient sent me an email on XX/XX/XXXX stating that my IDR had been approved. My payments for the past year have been {$220.00} per month.

A payment of {$620.00} is nearly half what I pay for rent. I work part time as an XXXX XXXX   and am unable at this time to make payments that high.

Would you please investigate this matter and adjust the amount due? Thank you.

Regards, ( my name ) '' On XX/XX/XXXX, I received another email from Navient stating that a new loan document was available and to log in to my account. When I logged in, there was no new document. There has been no response at all to my email of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Bread Financial Holdings, Inc.
State: IL
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:
I am filing this complaint today because of invalid information reported on my credit report. 'XXXX  XXXX/ XXXX XXXX ' of XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX  monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX   monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered a consumer credit transaction with Honda Financial Services on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum all charges in a consumer credit transaction and does not include cash. Honda Financial Services has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Honda Financial Services failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Honda Financial Services failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Honda Financial Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.

Company response to consumer: Closed with explanation