BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my credit card was fraudulently charged {$2100.00} in a jewelry store in XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX, XXXX. I was buying a {$200.00} charm from another merchant. I was told my credit card had denied this charge and offered another card. This credit card paid the {$200.00} charge. Several days later I received notice of this fraudulent charge of {$2100.00} from Citi. I contacted them and they cancelled that card, reissued me a new card with the fraud charge on it. I did not authorize or receive any service or product On this charge. Citi has denied this as fraud and as a disputed charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Navient Solutions, LLC.
State: OR
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:
Payment application practices are predatory. I graduated in XXXX, and entered graduated repayment. The original servicer was XXXX XXXX. I always rounded up my payment, and had the additional applied toward principle - this was automatically available, and a permanent choice I had made. On my ~ {$250.00} payment, I would over pay $ XXXX {$20.00}, providing funds for students through my repayment. My loans were sold to/split off with Navient, and I am wholly unhappy with their predatory schemes. I am unable to make a permanent choice that all overpayments are applied to principle ; instead any overpayment is immediately applied to future payment. This was resulting in what initially was only $ XXXX $ XXXX/mo of  additional interest, but over the life of a loan this could easily be in the $ 1000s. This guarantees difficulty in getting control over my loans, takes advantage of ALL customers. Additionally, Navient makes it difficult to apply any amount extra towards the principle, access any additional account information, and misleadingly advertises 'income based repayments '. I had entered into income based repayment for 3 years, and was luck to return to an extended repayment plan - I exited when my standard repayment was LESS than the income based and interest would no longer be capitalized. Additionally, while in income based repayment, one can not pay additional on principle OR capitalized interest. This is extremely detrimental to the consumer - if a consumer, on limited income, has the ability to pay down capitalized interest and start to get payments under control this would be beneficial. Instead, consumers in repayment are tethered to their repayment amount - over payment is applied to future payments ( again ), and any overpayment can/will kick you out of the payment plan, and demand capitalized interest all due within 3 months. NO STUDENT LOAN CUSTOMER CAN AFFORD THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: DLC, LLC
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:
This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening a bank of America account and was told I could not and had to call this 800 # to BOA when I called I was told I could never open an account with BOA because of an account that was closed in XX/XX/2006 by loss prevention I don't even remember having a accounts with bank of America they could not give me a reason why the account was closed or any details as to what happened. The girl got really short with me and just kept on saying " sorry you can't ever open an account '' if this was a fraudulent account should I not have the right to get more than just being band for life from a bank. are they discriminating against me because I'm XXXX or none American born.

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 2019-04-24
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Robocalls would start 5 days ahead of due date XXXX XXXX of every month ) and continue till payment was made. Loan contract stipulates 10 day grace period with no penalty. Calls started XX/XX/XXXX & continued till I refinanced with another company in XX/XX/XXXX. Made numerous complaints to Westlake to not call. Was told to call in ahead of payment date to let them know what day I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account # -XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # 4XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account # XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

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 2019-05-06
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19, I received a mailing from company advertising {$500.00} new account bonus for meeting certain conditions after opening a new checking and savings account. After having met all the offer terms, new account bonus was not paid despite all terms being met. After inquiry with financial institution, claims were made that a prior account was held and that the {$500.00} promotional offer was only available to new clients. However, the prior account was opened erroneously ( in error ) and TD Bank made it nearly impossible to close that account ( it was only after complaint to XXXX that the account was closed ). Furthermore, I received a direct, targeted mailing ( attached in photos ) constituting my eligibility for this offer. If it was said that I was ineligible, why was this offer sent to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've been repeatedly disputing this account with Experian and XXXX, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!

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 2019-10-16
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2020- Purchased American Express prepaid card from XXXX in XXXX XXXX Va. Card said it would automatically activate once used. 
Called customer service and asked if I could use overseas. They said yes. Time of call to customer service was XXXX eastern standard time. 
XX/XX/2020-attempted to make a purchase online for travel authority at XXXX. Purchase was declined. 
XX/XX/2020-attempted to make purchases in XXXX XXXX. Card was declined 8 times. Called customer service. They charged me a XXXX maintenance fee, made me give social security number, address, phone number, etc. To register the card even though the card said when purchased, that I didn't have to register it. Stayed on the phone from XXXX to XXXX. Results were that they cancelled my card and mailed a new one to an address I no longer live at. I asked what was I supposed to do? Customer service told me that I would have to wait. I had someone go by the post office daily. They got it. Paid money to send it to XXXX. I get it and try to use it. Declined. Call customer service to register it, again. They say card is activated. Try to use ATM in XXXX, per request of Customer Service. It declined. I contacted XXXX from XXXX via American Express and she told me that there is nothing I can do and they will take fees out monthly until the card closes and I will not get any of my money back. XXXX is the highest supervisor that anyone would let me talk to and she said her boss doesn't deal with customers. I can not attach documents. I'm over seas and do not have access to my money via American Express so I can't use a computer. This isfrom my phone and attatched to someones wifi

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Systems Intl IN keeps sending me collection notices in the amount of {$230.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have an account that has been closed and done with yet it still reporting on my credit report and XXXX is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Old information reappears or never goes away

Complaint:
Erroneous Information and Statue of Limitations

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 2023-03-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

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: CL Holdings LLC
State: IL
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:
On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: AMERICAN HONDA FINANCE CORP
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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:
I have an account that has been closed and done with yet it still reporting on my credit report and Experian is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.

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 2019-03-07
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for all fixed interest loans and some how most of my loans are variable interest student loans. I asked them about this and all they told me at XXXX XXXX is thats just what they are. I already pay 12 % and up in interest and its subject to just keep getting higher. I know for a fact I applied for fixed interest so I wouldnt have to deal with the increase in interest rates later on but didnt think I needed to keep that as proof. Shouldve known better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,

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 2020-11-11
Company: CITIBANK, N.A.
State: WI
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:
This is my second complaint to CFPB about this issue. My credit card was fraudulently charged with hundreds of dollars of XXXX XX/XX/XXXX charges. I disputed the charges and Citibank did removed some of the disputed charges. However there is still approximately {$600.00} of fraudulent charges made AFTER Citibank discovered the fraud and had disabled the card. Every time I speak to Citibank they state they will reverse the charges but have not done so yet, and continue to charge me interest on XX/XX/XXXX fraudulent charges.

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