BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: MS
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:
Experian Credit Bureau is continually violating my rights as a consumer as well as violation the law by illegally reporting an account that I have disputed with evidence that belongs to someone else, has an address attached to someone else and ACTUALLY REPORTING THAT PERSONS NAME on MY CREDIT PROFILE under personal information. Additionally, because Experian refused to remove this account and it was causing me great detriment, I attempted to resolve the account, and Experian reported it paid 47 % at {$1500.00} from XXXX XXXX, 2021. Now, they have changed it to 0 % paid and changed the originals amount due from {$2900.00} to {$3300.00}.

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 non-monetary relief
Consumer complaint received 2021-03-05
Company: Home Loan Center, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company was not clear that hard credit inquires would take place ... now I have MULTIPLE hard inquires on my report and a hit on my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to resolve this issue with citi financial/Macys for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against Macys XXXX-complaint against citi finiancial.

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 2023-06-14
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I purchased a car from Honda financed by American Honda finance. Autopay was setup and payment was made. But after few days I noticed there was a late fee on my account and found that the payment were received but reversed. There was no communication on any error from Honda financial on this but the late payment was issued and also reported to the credit bureau. When I called the contact center, the representative said there was a technical glitch on their website and hence autopay was not setup correctly. The representative corrected the autopay setup and the payment was succesfuly made, The late payment was also waived. But they did not update the credit bureau on the correction which had an adverse impact on my credit score.

I tried reaching to the Honda financial regarding the credit correction but they denied. 

Kindly help me resolve this issue. Thank you Here is a summary of the transaction activity. 

XXXX XXXX XXXX  Late Payment Fee Assessed- {$29.00} XXXX XXXX XXXXXXXXPayment Received - Thank You! - {$590.00XXXX XXXX XXXX XXXX Reversal of Payment Made XXXX XXXX {$590.00} XX/XX/ - Payment Received - Thank You! - {$29.00} XX/XX/ - Reversal of Payment Made XXXX  - {$29.00} XXXX XXXX XXXX  - Payment Received - Thank You! - {$590.00} XXXX XXXX XXXX  - Reversal of Payment Made XX/XX/ - {$590.00} XX/XX/ - Late Payment Fee Waived- {$29.00} XXXX XXXX XXXX XXXX Payment Received - Thank You! - {$1100.00} XX/XX/ - Payment Received- Thank You! - {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Service Finance Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This in response to XXXX XXXX and air conditioner response to my complaint. Their response to what happens is not entirely accurate. XXXX did install my air conditioner on a weekend of a holiday. I did contact XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX then I called their standby contact at XXXX and XXXX I then received a call at XXXX. that my air conditioner was not functioning properly. The technician came on XX/XX/XXXX Then 3 months later on XX/XX/XXXX, I had to call and follow up because their finance company was calling me, they must have forgotten about me so I called and left a message and emailed XXXX and he responded by email on Mon XX/XX/XXXX and informed me an inspector will come on Monday, XX/XX/XXXX and that they can not control the finance company and the job was complete and up and running, I did not attempt to argue because it was not running or functioning properly. Thats why their technician had to come back and fix it on XX/XX/XXXX. Also, I responded back with unsatisfied remarks. See email. Then I emailed XXXX again on XX/XX/XXXX, and requested the date ad time the inspector was arriving. Then on XX/XX/XXXX their technician came and fixed the problem with the air conditioner. And Mr. XXXX ask what day would I like to schedule the inspection, then responded and I followed up again on XX/XX/XXXX and finally, XXXX responded that my inspection would be on Wednesday, XX/XX/XXXX at XXXX am I received a call from XXXX attorney requesting I speak to him and his attorney on the phone. I was not going to respond because it was abrupt. I received no letter from XXXX stating they want to come up with a solution. But since the call, I received no other correspondent from XXXX heating and air conditioner. 
Please see attached email and phone call list showing the dates and times the calls took place. And see the bill from service solutions. 
Also someone came to my home and put an letter with no envelope in my mailbox. I have no idea who did ait, I do have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My card was stolen and there was a fraud check cashed on my account along with some unauthorized purchases. After seeing this I immediately called chase claim department and informed them of the situation. Chase froze my account and told me to open up a new one while they came to a solution. A week later chase reversed my claim saying I benefited from the purchases or fraud check. I tried to explain to chase that it would be impossible for me to make a atm transaction in XXXX XXXX while I attend school in XXXX Texas with no means of transportation. Now my total balance is XXXX + dollars money I have never had all at once. It will be impossible for me to pay this back along side the banks normal fees. Please help me in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I real complaint is with XXXX! They are relentless. This is the XXXX collection agency they've sent me to even after it have been established that this debt is not owed and have been closed for more than 2 years now. 

I received a letter from Source RM on XX/XX/2020. I immediately calls them and informed them that this is bogus and that they are the third company that XXXX has used to try to extort money from me. The customer service representative informed me that she would take care of it. I never heard from the company again via phone or mail. Instead they FALSELY reported this wrong and harmful information to the credit bureaus causing my credit score to drop severely. This negative reporting continually and unexpectedly is causing irreparable damage to major financial moves I'm trying to make and I need this to stop once and for all! I DO NOT OWE THIS DEBT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We are disputing a charge of {$630.00} which is a Fraud from our point of view. 
XXXX XXXX is a company that we used many years ago back in 2011. 
about 1-2 years after we called XXXX when it was time to renew the service of XXXX XXXX XXXX and told them to close the account and they confirmed it is closed ( Same as you do with any other service you have in USA ) . 
Since then we have not heard back anything nor received any calls or emails from them about any debt.

about 2 weeks ago our lender ran a report and suddenly a charge of {$630.00} from XXXX appears on our report as collection ( while no one even from collection talked to us ). 
We called XXXX and told them it a fraud as we had no service with them from over 10 years and suddenly the are waking up and trying to bill us for {$630.00} after 11 years!!!!. 
They said we had to sign paperwork to close the account which we have never received. 
Also, they said since its in collection they can not wave anything. 
This is a fraud. It was very convenience of them to keep creating charges after we closed the account so many years ago. Not even sending certified email or priority email, just nothing. 
We hope this will be removed from our reports as we are NOT going to pay this Fraud transaction for a service we closed 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed my address information on my credit reports with Transunion, XXXX, and XXXX. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only XXXX account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and the XXXX company. My current address is on my license.

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 2018-06-28
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from PayPal Credit.  I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

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 2023-04-02
Company: SANTANDER HOLDINGS USA, INC.
State: HI
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:
Chrysler Capital was my lien holder for my XXXX XXXX XXXX XXXX XXXX I paid on time for 16 months from XX/XX/XXXX to XX/XX/XXXX when the car was sold, and it never once was reported onto my credit report. Their website clearly states that they will report credit information to all 3 bureaus but they never once did. I called them every other month as I was paying on time to ask about this and they kept saying they will do it it but never still ever did. Later when selling my car after an accident the loan still hasnt ever been reported or shown on my credit report. Please help ; I got this car to build my credit and I need your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: ClearLine Loans LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, I was given a XXXX dollar loan from clear line loans. The annual apr for this loan is 354.21 %. .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than 15.50 per 100 of interest, and charge a maximum of 99 percent interest per year .therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which Clearline loans is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX  dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Innovate Managed Holdings, LLC
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We received conditional approval for a mortgage for a second home in XXXX Tx on XX/XX/2021 for the amount of {$250000.00}. Since then we have completed and submitted all of the required forms and information and just pending an appraisal in order to close. As of XX/XX/XXXX ( original closing date ), Bank of America has yet to secure an appraisal nor can they communicate when they would be able to. 

This has effectively put the entire transaction on hold while rates continue to climb. It's hard to imagine why Bank of America is unable to complete this basic step needed to close this deal.

My loan officer is XXXX XXXX, NMLS # XXXX XXXX, extXXXX I'm not sure if there is anything you can do but would appreciate any help with this matter that you could provide. 

Thank you and please let me know if you have any questions and/or comments

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed items with Equifax and even so just recently sent in a dispute request and Equifax has yet to mark the items as disputed by consumer as they are supposed to which is a violation of the FCRA. They have also gone over the 30 days to respond to the investigation and even so beyond 45 days. The items disputed were XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX They are in violation and I plan to sue for damages unless these items are removed due to violations of which I can collect {$1000.00} per violation. Items below will show when the disputes were sent and also the accounts that continue to be reported inaccurate and not marked as disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NC
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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief