BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I made a payment of XXXX. I have the statement showing I made the payment from TD bank on my XXXX account but are refusing to apply it. I have called and emailed many times bank says they can not track payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a refusal to pay an alleged debt! Collection Bureau of Hudson Valley claims that I am obligated to pay them an alleged debt. Collection Bureau of Hudson Valley shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If Collection Bureau of Hudson Valley can not provide the original instrument or proof that it still exists, then Collection Bureau of Hudson Valley shall send me an original statement affirming that Collection Bureau of Hudson Valley did not sell the original instrument because if Collection Bureau of Hudson Valley didn't sell the original signed instrument of indebtedness ; then Collection Bureau of Hudson Valley should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when Collection Bureau of Hudson Valley produces original instrument or proof that it has not been sold that proves that I am obligated to pay Collection Bureau of Hudson Valley. Also please produce the trilateral contract between me ( consumer ), optimum, and Collection Bureau of the Hudson Valley that shows I agreed to do business with Collection Bureau of the Hudson Valley along with Optimum or on behalf of optimum. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency trying to collect the amount of {$1600.00} for XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) - attached- below is the letter sent back to the collection agency. XXXX refused to move the case forward while in court taking me with no other choice than agree with a a number to pay. All original fees and expenses was paid and further payments were done during the case, the charges they are claiming is not real. 
XXXX actually owns me the amount of {$5000.00} as they are responsible for not defending me on the case after they receive over XXXX pages of receipts and proves of payments made to the mother during the course of child support until my daughter got over XXXX XXXX XXXX - Note : My Daughter actually always lived with me as of this day she still lives here with me- The mother just went to court falsely accused me lying i never paid child support, I did prove with documents and support original files that I paid child support on the times the daughter stayed with the mother. 
Attached letter submitted to the agency, further documents as pay stubs and original files are available on request when needed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
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 reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 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 2022-11-11
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!

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 2015-07-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I went online to American Express XXXX and booked a hotel room for XXXX nights, was quoted around {$140.00} a night for the XXXX nights a total with tax of around {$320.00}, and when I hit accept it charged me instead for a total of {$420.00} and booked me for a larger room. When I called to rectify the situation with American Express they failed to take responsibility and rectify the situtuation, failed to make me whole in any way, shape, or form, failed to accept responsibility for the gliche in their website, and failed to accommodate me in any way. I spoke with XXXX XXXX in customer service as well as several others in XXXX customer service and got no assistance at all. I found the correct room online with XXXX, and asked for them to refund but it would take 10 busienss day to process the refund at which time I would lose the deal for the better rated room.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: U.S. BANCORP
State: NY
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:
XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.

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 2016-03-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a Po box in XXXX, NC showing as an address on my credit report. I have never had a PO box nor have I ever lived in XXXX. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After placing 2 other clais from the same topics without solution I need to submit a third. 
XXXX XXXX I still been unable to access to my online banking, the system doesnt allow me to reset the password online, and trough customer service they cant sent me a passcode to my cellphone because of system error, I also submit a claim to have my phone verified, that claim was approved but the system still has issues to send me the passcode. I can receive texts messages from bank and passcodes. 
My user id is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off the last two vehicles on our line of credit with Westlake XXXX. They will not send us the titles to the last two vehicles. They will not close our line of credit which was been paid in full. They will not return the reserve account balance of {$5700.00}

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 2015-12-19
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
American Express debit card/Serve card has reduced my account by {$48.00} without any debits to incur this! My balance now reads {$2.00}. I believe it should read {$51.00}. The online balance was {$90.00} on XXXX/XXXX/15. I have a copy of this if you need it. Then on XXXX/XXXX/15 the balance was {$59.00} online. From XXXX the total debits = {$38.00}. I called the company yesterday and the guy who answered me denied there was an inaccuracy. He was VERY mean and TOO argumentative!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX, Back in XXXX or XXXX my XXXXXXXX XXXX XXXX XXXX XXXX  loan for an online school. XXXX XXXX University. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my XXXX for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company I had the loan auto-drafted until my XXXX  in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. Then came the pandemic and we are waiting for the government 's decision to be made. I have gone on Nelnet and requested the consolidation of all of my loans combined as XXXX which should remove any of my XXXX  ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My XXXX  does not deserve it if I have all of my loans combined in NELNET. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXXELNET with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a XXXX XXXX XXXX XXXX who doesn't deserve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Exeter Finance Corp.
State: GA
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 XXXX entered into a consumer credit transaction with EXETER FINANCE CORP on XX/XX/2022. A consumer credit transaction in which a finance charge as well as cash down payment was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, however EXETER FINANCE CORP took cash which is in violation of 15 usc 1662. The finance charge is supposed to include insurance, but EXETER FINANCE CORP made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express ( or their representatives ) have repeatedly called my phone number via an auto-dialer attempting to collect a debt from an individual, XXXX XXXX. I am not XXXX XXXX and have shared this information on multiple occasions. They tell me that my phone number was given as a number for " XXXX XXXX '', even though I've owned this phone number for some time. Each of the 10 times this company has called, I have told them this number is not XXXX 's. They have told me they will continue to call to attempt to collect " XXXX 's '' debt. When I told them that what they were doing was " illegal '', they continuously denied that what they were doing was illegal and that they could take any action necessary to collect the debt. At this point, this is harrassment. I'd like American Express to abide by fair debt collection practices. 

The vendor uses local number - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/2018 Balance : Reason : Identity theft Please remove it from my credit report

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 2015-10-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH TRANSUNION, XXXX AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

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 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert that B of A had run my credit. Haven't applied for any new credit at all.

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 2015-10-18
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: DISCOVER BANK
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a targeted offer from Discover bank to receive a {$300.00} bonus however after fulfilling the terms of the offer, they would n't give me the bonus and stated that I was not part of the offer.

Company response to consumer: Closed with monetary relief