BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit report and doing some research l 've noticed that as a consumer my rights are violated by your company. Please take the time out and fix these issues.

In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

In accordance with the written instructions of the consumer to whom it relates.

Violation number # 2 FCRA 15 US Code 1681a ( 2 ) ( B ) Violation number # 3 FCRA 15 US CODE 1681e ( b ) Violation number # 4 FCRA 15 US CODE 1681a ( 2 ) ( A ) ( i ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA XXXX XXXX COMPLIANCE regulations. This letter will ALSO be sent to CFPB, FTC, XXXX PLEASE REPLY IN A TIMELY MANNER WITHIN 30 DAYS THANKS. Also a past due balance is reporting how can it be in collections reporting a past due amount inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
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 tried to submit a dispute online for an incorrect account reporting on my credit from XXXX XXXX. I keep getting error message when I try to submit disputes at each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-01-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. 

American Honda Finance 90 days late / Derogatory in XX/XX/XXXX2020. 
I have attached a scanned letter from American Honda Financial letter that was written on XX/XX/XXXX 2020. 


I have been leasing with American Honda Financial for 6 years and have never had a late payment. During the pandemic, an employee from Honda told me that I can turn in my car 3 months earlier to avoid fees ( I was supposed to turn in my car in XX/XX/XXXX ). I did this at the end of XX/XX/XXXX2020 and was told that my remaining balance will be sent via mail. I did not receive anything in the mail, In XXXX, Honda financial contacted me via phone call wanting me to pay all these outrageous charges, I asked them for a detailed explanation and they kept on insisting that everything is sent out in the mail, I NEVER RECEIVED THIS. In XXXX they proposed to give me a discount but never told me about reporting me late since we are still in the negotiation stage. In XXXX XXXX PLEASE SEE LETTER ATTACHED ) A letter dated XX/XX/XXXX, 2020 clearly states that If I do not pay within 10 days and/or if my account reaches 120 days past due, I will be reported to the credit bureaus ( I did not receive any letter that I will be reported to the credit bureaus if I was XXXX day late. NOT A SINGLE LETTER ). I was going to pay this on Monday, XXXX XXXX, 2020 but on XX/XX/XXXX 2020 on XXXX XXXX, American Honda Financial took it upon themselves to report me and give me a derogatory remark. Confused, I tried to call them but their offices were closed on XX/XX/XXXX and XXXX due to the holidays. I called them on Monday- XX/XX/XXXX and told them they inaccurately reported me and asked if I could pay that day ( Since I still have until XX/XX/XXXX as stated in their letter to pay ) and asked them to delete the inaccurate information and they refused. They argued that I should know that I was already late and they did not have to state it in a letter I am truly appalled by this statement, I have done my research and it is unlawful to report inaccurate information to the credit bureaus. American Honda Financial should be held accountable for the false information they send their loyal customers. 

As you know it has been a rough 2020 and I have been greatly affected by covid-19 both personally and financially. This inaccurate report has made things worse and is the least I want in my account.

I have been reaching out to American Honda Financial but I am given the same answer. To date, the balance has been paid off. I kindly ask that you investigate this matter and have this negative report taken out as soon as possible.

Thank you very much in advance.

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-08-01
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was unable to pay my US bank Home mortgage payment of XXXX online today ( XX/XX/2019 ), as I usually do every month. When I called the customer service number provided at XXXX, I was transferred to the online banking department who informed me that I would no longer be able to pay my mortgage payments online due to updated compliance regulations for borrowers that had a previous bankruptcy. I stated that the bankruptcy over 10 years ago and my mortgage was reaffirmed in the bankruptcy. Also we never missed a payment on our mortgage even during the bankruptcy. I further stated that I was NEVER notified in writing by US Bank Home Mortgage of this change in policy. The representative told me that I could pay a XXXX fee to pay through the automated phone system, or I could pay XXXX fee to have her process the payment. I asked for a supervisor who did eventually waive the fee to pay online, but I would like an answer as to why I was never notified in writing of this change in policy? I feel that this policy is a extremely discriminatory and bias especially since we NEVER missed a payment.

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 2022-02-17
Company: EQUIFAX, 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 reached out to equifax by letter and informed them not only that this wasnt my account. I also addressed the fact that the account on my equifax report was showing two collections account with no original creditor. I never received a reponse and this account is still showing on my credit please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-25
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 reporting agencies.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I HAVE DISPUTED THIS ACCOUNT WITH ALL 3 CREDIT AGENCIES they report it as accurate but its not and its ruining my credit score.. 

this date of this account is also wrong in accordance with the Fair Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instuctions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
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 is missing that should be on the report

Complaint:
I need your help, CFPB. 

TransUnion is committing violations to the Fair Credit Reporting Act. 
- Unfair business practices - Failing to investigate item - Reporting incorrect information Please send the attached documents to TransUnion. 

Thank you.

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 2021-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We were victims of check fraud. A criminal ring in XXXX Texas somehow accessed our checking information and forged our checks. They started writing checks with forged signatures on our account. The checks did not follow our standard check use pattern, the signatures are clearly forged and more importantly the checks had duplicate numbers. That is, the forged checks had numbers that were duplicates of real checks we were using. We never had checks with the duplicate numbers. Bank of America did NOT notice the forged checks. We eventually did when the criminals became more comfortable and started writing daily checks on the account. We reported the problem, did everything Bank of America asked of us, and were told the problem was handled. This was after we spent hours on the phone with Bank of America. We were reimbursed the amounts fraudulently taken from our account, so we assumed the problem was resolved. Now, 60 days after we discovered the fact, Bank of America is telling us that we are responsible for not detecting the fraud and that we are liable for the entire amount that was stolen from our account. They are denying 80 % of the claim -- even though their fraud system failed to notice that the forged checks had account numbers that were duplicates of our own valid checks. We have attempted to contact Bank of America to dispute this but are in " consumer '' department XXXX being transferred to agents who can't help or offer options.

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 2020-01-27
Company: LoanCare, LLC
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 status incorrect

Complaint:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called LOAN CARE SERVICING CTR. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to LOAN CARE SERVICING CTR. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called LOAN CARE SERVICING CTR. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2023-02-17
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
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:
TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

Seedfi/XXXX  XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was just sending money to a friend of mine from XX/XX/XXXX to XX/XX/XXXX of 2021. I sent my friend XXXX XXXX, then suddenly, XXXX says that I used their service in a questionable manner even though it is not. I gave them the information they needed to verify that I made the transactions. They asked for my current and bank statement address and told me to state what I did with their service. 

After few days, they said that they will permanently limit my account as they found potential risks on it even though there are none. Also saying that my money within the app will be able for withdraw after 180 days, which is not acceptable because I did not anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief