BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Honda Motor Finance On XX/XX/2022 to ask for help with having my payments reduced due to hardship. The representative told me that was not an option. I called again in XXXX but was threatened to have my vehicle repossessed. I have been struggling to make my payments and to make things more difficult, Honda has blocked me from making payments online and over the phone. I can only submit payments through XXXX but the fees are also adding up. I have requested for options to have payments taken automatically but Honda has denied me that option as well as any other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Specialized Loan Servicing Holdings LLC
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: Problem with personal statement of dispute

Complaint:
SLS has maliciously reported incorrect information on my credit report. I disputed with documentation of the loan letter closing statement and they are reporting a charge off as of XX/XX/XXXX when this was closed out XXXX. I had a XXXX daughter with XXXX XXXX  XXXX and my husband walked out. It is horrendous that this company can get away with reporting this incorrect information! Loan number was XXXX property address XXXX XXXX XXXX XXXX XXXX fl XXXX. Why can't I sue them for errors like this and hold them accountable!!!! Where are my rights? You call then and get the run around. This is on my XXXX  credit report and XXXX XXXX   finally updated the correct information. My name is 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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally lodge a complaint regarding the persistent and unresolved issues related to the correction of late open accounts on my credit report. This marks my second attempt to rectify these inaccuracies, and I am deeply concerned about the continued negative impact on my credit profile. 

Despite my initial efforts to address these discrepancies through your dispute resolution process, the corrections have not been made, and the inaccurate information remains on my credit report. 

Despite my prior dispute and documentation submission, the late open accounts persist on my credit report, casting doubt on the effectiveness of the correction process. 

The inaccuracies in reporting late open accounts negatively impact my creditworthiness and may have adverse effects on my ability to secure favorable terms for loans and other financial transactions. 

The lack of clear communication regarding the status and resolution of my dispute has added to my frustration and uncertainty about the steps being taken to address the inaccuracies. 

I request the following actions to be taken promptly : I urge you to conduct a thorough re-investigation into the late open accounts on my credit report, considering all the evidence and documentation previously provided during my initial dispute. 

Upon confirmation of the inaccuracies, I insist on the immediate correction of the late open accounts on my credit report to prevent further harm to my creditworthiness. 
I expect clear and consistent communication from your bureau, providing updates on the progress of the re-investigation and the steps being taken to rectify the issues. 

I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the accuracy and reliability of credit reporting. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: ID Analytics, Inc.
State: MO
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. 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 Number : XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-20
Company: CORELOGIC INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a inquiry on my credit report from this company. The respentative talking to me as if I'm slow and don't know what I'm telling her. I spoke to this company in the past regarding this inquiry. It still haven't been resolved. I just would like this removed 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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My Mom had deffered several payments during Covid 19 due to her undergoing chemotherpy during this time frame. Nissan was fully aware of her condition and the upcoming end of her finance agreement but allowed payment to be deffered. XX/XX/2022 she had a final ballon payment for XXXX which she was not able to pay but still made normal payments. NMAC accepted normal payments for XXXX, XXXX, and XXXX She had constant contact with NMAC . XX/XX/2022 her health daterated quickly and she was hospitalized. Her care giver spoke to NMAC during this time and was told her truck was going to be repo. As the cosigner I never recieved a single notice. On XX/XX/XXXX my mother was released from the hospital and placed on XXXX. While family was making end of life care arrangments NMAC had her Truck picked up for Repossion. On XX/XX/XXXX my XXXX passed away. I contacted NMAC to make arrangments to be able to get the truck and inform them of her death. I was told i would have to pay the full amount do that they were not capable of removing fees or extending the loan. After receiving an email Inpaid a portion of the balance online through their web site to a 3rd party payment processor XXXX that accepted the said payments. I then sent the remaining balance via money gram. I then contacted NMAC to release the vechicle. I was informed that since I used XXXX I would have to wait 10 days before they could release it and that I would have to pay additional fees. At no point was I told paymentus was not an option and that XXXX was the only way. The letter I received clearly states payment can be made via paymentus or XXXX. Nissan has been very insenstive during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX  XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: CMG MORTGAGE, INC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Upon careful review, I want to clarify that the issue was not related to the XXXX XXXX tax department reducing my property taxes. Instead, it was a mistake made internally at CMG. Specifically, CMG erroneously used the tax amount for one of my parcels for both parcels, leading to an inaccurate calculation of my property taxes. 
I promptly identified this error within two days of receiving the initial escrow analysis from CMG. Unfortunately, it took us over 20 days to correct the mistake due to internal processing delays. 

I acknowledge the discrepancy pointed out in the initial finding on XX/XX/XXXX, which indicated an escrow shortage of {$1600.00} As a result, my payment was adjusted to {$1900.00} to cover this shortage. Subsequently, after a reevaluation, CMG identified that the accurate escrow shortage was {$180.00}. This discrepancy was promptly addressed and I made a payment of {$180.00} towards the escrow shortage on XX/XX/XXXX to rectify the situation. 
Even after the $ {$180.00} payment, there appears to be a discrepancy, as the revised payment of {$1700.00} exceeds the previous payment of {$1500.00} by {$210.00}. Please explain what the XXXX increase if related to if the escrow shortage was paid on XX/XX/XXXX. 

Related to COMPLAINT ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MI
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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C. 1681. 


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

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 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00} on XX/XX/2022, as I have no knowledge or records of the debt in question. 

As well as a couple hard inquiries from XXXX and 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 2023-03-20
Company: Experian Information Solutions Inc.
State: WV
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:
Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and experian and no change was made.

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 2022-11-17
Company: Westlake Services, LLC
State: AL
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:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report 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 explanation
Consumer complaint received 2022-11-17
Company: Consumer Portfolio Services, Inc.
State: AL
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:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : 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 2023-07-04
Company: EQUIFAX, INC.
State: CA
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation