BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the most difficult company I have ever had to work with. Unfortunately due to an accident I had two accounts open with Honda. One for the car that was in an accident to be paid off by the other persons insurance, and another for a new car I purchased to replace the one in an accident. I was unaware that the accounts were not linked. I made a payment towards the new car purchase. The payment was applied towards the wrong account that was in process of an insurance claim. Therefore my new account went past the 30 days and now shows as late on my credit report. No contact was made to me regarding the account. No warning that I was late. I would have paid immediately. The old account was paid off my insurance, the payment that was submitted incorrectly was returned to me. I called to advise of the error and was told to send a letter with the details to the credit department and they would most likely reverse the late mark since it was an error. They would respond via letter within 30 days. So I wrote a very specific letter, including dates, account numbers, amounts, ect. I sent the letter overnight and certified. They did receive the letter and signed for it the next day XX/XX/XXXX. I received a generic response with a form of them asking for the account number and my information on XX/XX/XXXX. All information that was provided in my original letter. I obliged and responded with the information requested. I again sent the letter overnight and certified. It was again received by them on XX/XX/XXXX. I have yet to hear anything back. I called today XX/XX/XXXX and waited on hold for 30 minutes plus. I spoke with XXXX who advised they do not show that the second letter was received. I provided him the tracking information with details as to who signed for the letter. I am unable to speak with a supervisor for 24/48 hours. Unacceptable. I am unable to speak with the credit department and they are unresponsive to my letter. Unacceptable. I understand that this was a simple error. However it needs to be corrected. I have never made a late payment and my credit was well over an XXXX score. Its completely unprofessional to ignore and be unresponsive to a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called the Chase Covid-19 Relief Payment Assistance line ( XXXX ) XXXX on XX/XX/XXXX, XXXX, XXXX and XXXX and I am going to continue to call them asking for a lower interest rate due to my unemployment since XX/XX/XXXX. 

Each time they said they couldn't lower my rate from the " prime '' 23.99 % I am currently at because in the last year it had dropped from 25.99 %. 

Regarding my Chase Freedom card : On XX/XX/XXXX I was charged {$210.00} in interest. 
On XX/XX/XXXX I was charged {$210.00} in interest. 

Regrading my Chase Freedom Unlimited card : On XX/XX/XXXX I was charged : {$54.00} in purchase interest & {$110.00} in balance transfer interest totaling {$160.00} in total interest. 
On XX/XX/XXXX I was charged : {$61.00} in purchase interest & {$110.00} in balance transfer interest totaling {$170.00} in total interest. 

This is insane & unreal ( and didn't it used to be illegal aka : " usury ''? ) especially considering XXXX XXXX, with whom I have had years of issues, dropped my rate across 2 personal and 1 business account with a collective {$33000.00} ( way more than with Chasxe ) of debt dropped my interest rate to 5.99 % FOR THE NEXT 12 MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My identity got compromise and these accounts were added to my credit report. 

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 2022-04-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Company : NAVIENT Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Reported balance : {$8600.00} Opened : XX/XX/2012 ( XXXX yrs, XXXX mos ) Term : 108 months ( 9 years ) This loan acount is invalid, they charged off the amount without prior notice that they removed the cosigner and negotiated a settlement with the co-signer, but not me. I had no idea they were going to charge this loan off. They report as " late '' each month for several years, but it's not open, it's closed. They refuse to speak to me through customer service, and I have had no luck working out any progress with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!

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 2023-08-08
Company: JPMORGAN CHASE & CO.
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: Information is missing that should be on the report

Complaint:
Hi, reason for this complaint is my credit report does not show my 2 credit cards from Chase because they are " business '' cards. I have had 2 cards with them since around 2010 and I use and pay my cards on time every month. My credit limit between the two is approx {$95000.00}. My business is my name, I am a sole proprietor. I am personally responsible for any debt. XXXX XXXX refused to give last name ) at Chase credit bureau escalations stated that Chase only reports to my credit report if I am 60 days late. I would like Chase to report my credit card history to my credit report because I am having a hard time obtaining things like personal car insurance because I have no credit. All my vehicles and homes have been paid for for years. Even with {$95000.00} of credit cards available through Chase I can't get approved for a personal card because my credit report shows no activity. Please help. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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

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 2018-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, Experian and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.

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 2018-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent an online wire transfer but it never arrived to the beneficiary. On XX/XX/XXXX, I started an investigation and until today, Wells Fargo has not been able to refund the money. They refused to do a fraud claim and all they tell me is to file a complain. I have filed 3 complains and so far, they still tell me I have to wait. I have requested several times something in writing about the situation but the bank refuses to do so.

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 2023-05-10
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: Reporting company used your report improperly

Complaint:
I am a victim. of Identity theft. 
By checking my credit report I have found two fraudulent accounts I have listed on the FTC report. Someone has stolen my personal info and used them to apply for some creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I hired XXXXXXXX XXXX XXXX XXXX to assist in my move. I was quoted $ XXXX prior to my move. Being that this was my first time hiring movers I was unaware that they were supposed to be doing all of the work. When they arrived to the apartment I was moving out of, I immediately started helping them load their truck with my boxes because they showed up 4 hours late. I have bruises on the palms of my hands from the heavy lifting I was doing. When we arrived to my new apartment ( XXXX ) and it was time to unload the truck I was asked to pay {$1700.00} or I was not getting my belongings from them. I asked them to clarify the charges and to explain to me why I was being charged almost quadruple the price I was quoted and they proceeded to tell me this happens all the time. The lady who gives quotes misquotes often. I tried calling and texting her and their general manager and I got no response! 
So after paying them ( they only accepted XXXX ) They left and they did not complete their job. I was told that furniture assembling and dissembling was included. But before they brought everything into my apartment they pulled a fast one, and left!!!!. They left my personal belongings outside damaged including my mattress and bed that I was supposed to sleep in that night. They left without a word and my number was blocked! 
Ive tried calling everyone number linked to their company and Im not getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our homeowner 's insurance carrier declined to renew our coverage after we tried to use it ( we had made 2 claims ), so we obtained new homeowner 's insurance through XXXX XXXX, by XXXX. Our insurance is paid by our mortgage servicer, Citizens. 

On XX/XX/XXXX, I used the tool available through the homeowner 's insurance website to send proof of the new insurance coverage to our mortgage servicer. I received an email confirming that the proof would be sent to the appropriate email address, XXXX. 

I did not receive any other communication regarding the insurance from Citizens. 

On XX/XX/XXXX I received two letters. First, I received a letter from Citizens, dated XX/XX/XXXX, a " second and final notice '' which says they have not received proof of my homeowner 's insurance coverage. Second, I also received a letter from a debt collector regarding an unpaid debt owed to XXXX XXXX XXXX of New York. 

My mortgage servicer failed to timely pay my homeowner 's insurance premium, even though the information was submitted to them in the manner they requested, and then they failed to inform me in a timely manner that the information had not been received- I didn't find out until the same day I was contacted by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
Sending several times of multiple letters, unverified accounts listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX  OF XXXX A, 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

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
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 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-08-21
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$500.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 reported that a had a lease and loan from XXXX that was paid off. I sent a notarized letter to transunion. I filed a complaint with XXXX XXXX. 
Transunion said they updated my credit reflecting that I had a paid off lease and car loan with XXXX They did not

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 2023-02-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XX/XX/2021 to XXXX, XXXX, and Equifax. However it's been over a year and XXXX and Equifax failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation