BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: AMERICAN HONDA FINANCE CORP
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, XXXX car was purchased from XXXX XXXX by my daughter XXXX XXXX. It was a XXXX XXXX XXXX XXXX XXXX. I was asked by the company to check my credit because my daughter has a great credit score but not enough credit establish. The salesman asked if he could run my credit to see what she could get. I stated I hate for you to run my credit because it will cause me points, he replied ; its a soft inquiry. The salesman and my daughter called me back at my home and stated the details and I said no I will not co-sign and you need to leave because the length of the long was too long and in my opinion the car was too expensive with no discounts. The problem came in when the dealership told my daughter to pay a down payment and she can get the car in her name with a XXXX annual percentage rate with 60 months. She paid down {$4800.00} she put the gap payment in the amount. The dealership took her money and also put the car in her name and my name. I did not give my consent verbally nor did I sign a contract. If she paid the money why would you put my name on the loan. If you put my name on the loan why did you take her money? This is a fraudulent contract. Mail came to my house with a privacy matter stating XXXX XXXX and XXXX XXXX I have provided a copy. The dealership said my name is not on the contract it is not on the contract but it is on the loan and on my credit report. I contacted Honda Financial Services Friday and was told it is in my daughter name and me as a co-signer. On XX/XX/2021 i requested a copy of the contract via telephone it was sent to me via email. the contract my daughter has the general manager name was not sign the contract I have the general manager signed. How that happen I can not explain they will have to explain that. It has caused stress, emotional harm stop me from purchasing my vehicle because all my credit is tied up with a {$30000.00} loan on my credit .I feel overwhelmed because the salesman and finance manager did a XXXX  and switch on the contract regarding utilizing my credit against my consent. This is wrong and I do not know how the contract say one thing but the main paper work has me listed. I am devastated with this situation. Upon request I will send you a copy of my credit report showing the loan on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Nearing the end of my lease I returned my car early to a mercedes benz dealer. My agreement with the dealer was that I would pay the lease up to that point ( XX/XX/XXXX ) but not beyond. On XX/XX/XXXX I paid {$340.00} for the month of XX/XX/XXXX - XX/XX/XXXX. I turned over the car to the dealer on XX/XX/XXXX. I had overpaid my lease by 29 days. I requested a refund for the unused days, but the dealer told me to contact MBUSA financial services, who had received the overpayment and with whom I had a contract. 

Without my knowledge, MBUSA financial services  gave the dealer the wrong end of lease price, quoting it to XX/XX/XXXX instead of XX/XX/XXXX. I requested a refund from MBUSA financial services but they refused. The result was that I had no use of the vehicle for 29 days I had paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Credit Karma, 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 information incorrect

Complaint:
On XX/XX/2021 my credit score decreased by XXXX points for an account in good standing that I verified with company of card is still open. Credit Karma removed this card from my credit profile causing my score to fall XXXX points. I contacted the bank of card and they have verified that this is an error on Crefit Karmas be-halfand they assured me this account was NOT removed by them. 
Also, I checked today and it has fallen an additional XXXX points due to an addition of a credit card they highly suggested I needed for my credit profile. 
They also told me by removing a delinquent account it would raise my score XXXX points. So I paid account in full resulting in removal of derogatory account. It didn't have a positive result, in fact there was no change to my credit score. 
Currently, I'm most frustrated with the fact they have accidentally or at fault of theirs have unlawfully removed a good standing account from my report for no reason. 
I have contacted them and nothing has been resolved. 
This should be illegal. 
Here in trying to get a mortgage loan and they have ruined that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing credit acceptance since the beginning of this year... during the time my loan was assessed covid hit my family and I really bad.. resulting in not only multiple moving to different address but I notified them and called .... I never gotten a bill from them. what's even worse the car got totaled out. they didn't repo the car they just had it at a body repair shop. I never gotten any correspondence nor do I know what happened to the car. I want my name and record deleted from this loan. Like I said I tried myself numerous times with no end result

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 2023-07-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has violated and continues to violate my federally protected rights under Trafficking Victims Protection Act ( TVPA ), Regulation V, 15 USC 1681e - Accuracy of Reporting and 15 USC 1681a, by continuing to report inaccurate credit balances on my account and leaving out the accurate amount of dollars AND cents owed. I have attempted numerous times to dispute the accuracy of credit balances reported by Equifax and report that certain accounts reported by Equifax were a result of being a XXXX under TVPA and Regulation V, on Equifax 's website so that it would ne entered into the e-Oscar and Metro2 systems. However, their website does not allow for the CENTS to be inputted for accuracy AND when I uploaded my letter from an NGO and a self-attestation of my being a XXXX, Equifax continues to disregard the documentation by citing their internal policy and procedures as to why they refuse to adhere to the federal laws. Attached is a screenshot from Equifax 's website showing that the CENTS amount can not be edited. Attached is also documentation that I have sent to Equifax no less than five ( 5 ) times via their website AND via certified mail, as evidence in compliance with the XXXX XXXX XXXX to which Equifax does not acknowledge to date. The accounts affected are : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXX Equifax has further caused me harm as I have been denied credit due to my inaccurate credit report. Equifax continues to put me at risk of further exploitation, abuse, and defamation by ignoring my evidence and documentation of being a victim of XXXX XXXX. Equifax negligently and recklessly continues to cause harm to my financial reputation and prevents me from attaining an equitable and improved quality of life by reporting inaccurate accounts and account balances which have caused potential creditors to deny extending credit to me. Additionally, Equifax has caused me further harm by continuing to contribute to my FICO credit score being lowered on a monthly basis due to the inaccurate credit balances on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
RACIALLY PROFILED BY NAVY FEDERAL CREDIT UNION!!! 
On Wednesday, XX/XX/XXXX I deposited my refund check via mobile app as I have done over SEVEN times from the SAME university ( XXXX campus ). When I called and asked them why my money wasnt deposited in the normal two business day wait, I was told that it was being held under suspicion of fraud. I asked why all of a sudden as a XXXX woman, am I being accused of suspicion of fraud when I have deposited MULTIPLE checks from the SAME school several times before?? The supervisor ( I asked to speak to one because I was not getting a straight up answer ), said its determined by security so I asked to speak to them, but of course they didnt have an extension. 
I was racially profiled for fraudulently depositing a check and no one could explain why my funds are delayed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXXyears old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also XXXX  with an XXXX  XXXX and XXXX XXXX I read at a XXXX XXXX XXXX often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CURO Intermediate Holdings
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: Account status incorrect

Complaint:
I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on XXXX occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I requested an auto insurance QUOTE from the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX in XXXX, TX. 

Relatively after, I was notified of a credit collection account that was opened in my name for an XXXX policy, from the office of XXXX XXXX XXXX XXXX XXXX, that I never created nor approved. 

The office of XXXX XXXX XXXX XXXX XXXX informed me to submit an Auto Policy Declaration, proving that I had active auto insurance during the time that the policy was incorrectly opened for me. 

I submitted the declaration on XX/XX/XXXX and was informed that they had moved forward with submitting the documentation and were awaiting a response from corporate. 

This is a HUGE mistake of the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - to open an insurance policy for me, that I never created nor approved - as the only contact I had with this office was to get a QUOTE. This mistake is impacting my credit, which has yet to be resolved nor have I received an update from the office of XXXX XXXX XXXX XXXX XXXX, as of yet. 

As of today, XX/XX/XXXX, I am still awaiting a follow-up response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
***Received a letter from XXXX XXXX on XX/XX/XXXX advising that they are getting out of the Student Loan Business & transferring accounts to Firstmark Services effectiveXX/XX/XXXX where Firstmark will now be primary contact for student loan information. 

***We were asked to create an account with Firstmark beginning on XX/XX/XXXX or later. As per the request, account was set up and does not show any history. When I called Firstmark several times they do not show any information other than Accrued Interest owed since they took the loan over. I need to see the accrued interested since the beginning of the loan with XXXX XXXX back in XXXX. I have proof of accrued interest payments to XXXX XXXX in the amount of {$1100.00}. I was not getting any answers from Firstmark, so I called XXXX XXXX who totally disregarded the loan and said they sold it off. I am not asking for anything other than what was already paid out to reflect my new account and show history. 

***Spoke to another rep from Firstmark XXXX XX/XX/XXXX who said he had the information for me and would email it over within 48 hrs. It is now XX/XX/XXXX still have not received it. I called again today on XX/XX/XXXX with a very rude rep stating they have over XXXX XXXX loans to transfer over and he will put my request in again, but I probably will still not receive an email regarding my request. 

Not sure at this point where my information is as I am getting the run around from both XXXX XXXX & Firstmark Services. I can not believe in today 's time with such technology that payment information is readily available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 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

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 2023-06-16
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CAINE WEINER ( Original Creditor : PROGRESSIVE ) BALANCE : {$460.00} STATUS : OPEN ACTIONS TAKE : I have attempted multiple times to communicate with the debt collector and the original company. All attempts have been received with aggression and harassment. They have made it very clear they are not willing to work with me in clearing up this situation. It is effecting my personal and professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a victim of identity theft. I filed a police report and a FTC report and submitted it to the credit reporting agencies according to the FCRA. These disputes were not filed correctly and copies of the verification process were not sent to 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 non-monetary relief
Consumer complaint received 2021-07-16
Company: Avant Holding Company, Inc.
State: WI
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:
This account has been disputed and reported in the past due to them falsely adding it the AVANT account back onto my credit report. This has been paid for all the way back into 2019. this account has been closed, never re-opened, the balance is 0. attached are all my court documents proving this, i have sent a letter to each credit bureau with this information and they have still added it onto the report again years later!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
** Screenshots of my account plus the 2 payment confirmation emails have been attached to.this complaint** Facts of complaint : Due date was XX/XX/XXXX with 10 day grace period which wouldnhave made rhe payment late as of XX/XX/XXXX. 
Payments were made on XXXX ( XXXX and XXXX ) for an amount greater than what was due. Customer service was contacted n i was assured ( per Conf # XXXX ) that the below would be waived However, I was charged a late fee of {$21.00} prior to the grace period closing as this bank highlighted in my retail contract that I signed with them. Also, I dont think there is an internal non disclosed citizens bank policy to violate terms of the contract and charge late fees where they shouldnt be charged due to their payment system takes 2 business days to process a payment and doesnt backdate payments to reflect the actual date they were made thereby making their inability to process payments making it appear the consumer is negligent. No bank nor cc company outside of here has this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
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: Was not notified of investigation status or results

Complaint:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

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