BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX XXXX XXXX : {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 just bought a Honda XXXX XXXX last night with Honda of XXXX, and while I was working with XXXX the loan manager, he told me that I had no other options but finance directly through Honda. I also needed to put at least {$6000.00} down. That was my ONLY option. Come to find out, he lied and never looked around at any other places because my bank had pre-approved me for a car at a better rate and term. I went to the dealership today and they are saying that they did make the mistake of not finding the best option and telling me that I only had ONE option. I have a recording of it, and now I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau 's responsibility. Please delete these items on my report that damages my score. THE XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-21
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I just completed loan rehabilitation and my account is back with the normal servicer. When I logged into my account, it stated that my loan was immediately due. On XXXX, I called the loan servicer to ask about a payment plan. I was told that I had to submit a financial hardship payment agreement form. I submitted that form on XXXX and called to follow up. When I spoke to the representative, I was told that my account was under review and to not worry about it. On XX/XX/XXXX I received an email stating that my account is under review. On XX/XX/XXXX, I sent another email to follow up about payments as I do not want to default again. On XX/XX/XXXX I received an email stating that my account has been past due since XXXX. I have not received a statement since XXXX. I went on my account and paid the past due amount since I do not want to default. I had been calling to figure out payments but I was just being told that my account was under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: UT
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 have sent several disputes to each one of the credit bureaus : XXXX, XXXX, and Experian. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond 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 2021-01-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent me to collections after I canceled with them and they still went and charged me for the following month. I do not owe them money and I have explained this to the company so many times and now it's on my credit report as a collection account through IC System. I've disputed it on there as well, and I got nowhere. I don't owe this bill. The amount is {$170.00}, I don't have an account number or anything.

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 2023-02-09
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted XXXX XXXX  and was told the account was closed due to XXXX missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that XXXX XXXX did not present my scheduled ACH for payment during the months in question. 

I provided this information to XXXX XXXX. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that XXXX XXXX has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with XXXX Customer Support. XXXX Customer Support could not resolve and deferred back to XXXX XXXX. I am without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: UT
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 have sent several disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one auto finance XX/XX/2021 unauthorized credit check didn't apply for car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANKERS HEALTHCARE GROUP LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off a loan with BHG ( loan number XXXX ) earlier this month and BHG confirmed receipt and issued a refund due to the terms of the loan. Despite the loan being paid off, they illegally withdrew the payment amount of XXXX from my checking account today which is the due date had i not paid the loan off. Demanding immediate return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have placed a credit freeze with Experian. 

In spite of entering all valid information to unfreeze my account, I was prompted to mail in my request with copies of my driver license, social security card and a utility bill. 

I mailed all requested information and my credit was unfrozen for the requested time frame ( confirmed via e-mail on XX/XX/XXXX at XXXX ET On XX/XX/XXXX at XXXX ET I needed to have my credit unfrozen and again I was prompted to provide all the information. Experian said ... " WE WERE UNABLE TO HONOR YOUR REQUEST TO TEMPORARILY REMOVE YOUR SECURITY FREEZE BASED ON THE INFORMATION YOU ENTERED '' I mailed all the required documentation again. I have not heard back from Experian since ( that's 20 days ) Will Experian explain why am I being harassed?

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX  XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$37.00} XXXX XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$10000.00} {$260.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXXNo Data XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX  XXXX 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 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 2021-01-21
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
These lenders have accessed my credit file : XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX/XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/2021 XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was contacted by XXXX around 6 months ago with a 0 % balance transfer offer. I accepted it and was told that I would not be charged interest on the balance. I was charged 5 times for the following amounts : {$79.00}, {$100.00}, {$140.00}, {$120.00} and finally {$340.00}!!! On the phone the case was accelerated to a supervisor who said she couldnt undo the charges as my timely payments were applied to my 0 % balance transfer not new purchases!!! They offered no solution other than to say they were logging a complaint with no reference or phone number to call. They were rude and dismissive over the phone and refused to take responsibility for the incorrect information that was shared with me upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
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:
Carrington Mortgage Services incorrectly reported a late mortgage payment for XX/XX/XXXXthat adversely impacted my XXXX  credit score by 131 points. 

After contacting the servicer over the phone to inquire about the late payment report, Carrington claimed that they did not report any late payment. I was advised to submit a written query to the Carrington Research Department and informed that I would receive a response in approximately 30 business days.

I submitted a dispute to XXXX  on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I submitted a written request via fax to Carrington Research Department. Further, on
XX/XX/XXXX, I submitted a dispute ( Complaint ID XXXX-XXXX ) to the Consumer Financial Protection Bureau, since to date I still have not received a response from Carrington. 

On XX/XX/XXXX, I received an email notification from CFPB, informing me that Carrington indicated that the complaint lists someone that they did not recognize as their customer or who was not authorized as their customer 's representative and therefore stated that they could not reply. Carrington 's claim is blatantly false. The other party listed in my complaint is XXXX XXXX XXXX, the co-borrower of the loan. 

I made a follow up call to CFPB on XX/XX/XXXX ; spoke with XXXX ( ID XXXX ) who informed me that Carrington claimed that an email address was incorrect or not on file. Once again, this assertion is false. Both XXXX and I provided our Names ; DOB ( date of birth ) ; Social Security Numbers ; marital status ; cell phone numbers ; and email address on the Carrington RMA application form, indicating that all were preferred contact methods.

It appears that Carrington is simply attempting to avoid or to delay replying to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed for XXXX XXXXXXXX bankruptcy on XX/XX/2022, and PennyMac Mortgage is reporting that I am in arrears of {$3300.00}. PennyMac reported this amount to the courts for my XXXX XXXXXXXX bankruptcy but was unable to tell me how they arrived at this amount when I called their collections department. 

When I called PennyMac I spoke with the following representative who reviewed the proof of claim submitted : XXXX. ) XXXX XXXX XXXX. ) Title : Escalation Team - Collections Department 3. ) Office Number and Extension : ( XXXX XXXX XXXXXXXX - Ext. XXXX XXXX at Pennymac confirmed he was unable to see calculate any arrears on my mortgage loan since my loan is paid to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 report a dispute regarding inaccurate information on my credit report, which I initially brought to TransUnion 's attention on XX/XX/XXXX. To date, I have not received a response from TransUnion regarding this matter. The inaccurate information pertains to the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}

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 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
last year XX/XX/ i saw an advertisment from wells fargo bank advertising if you open a checking account and have qualifying direct deposit totaling {$1000.00} before XXXX XXXX you will receive {$200.00} bonus. I never receive the {$200.00} but it shows that i did in my transaction history. I reached out to wells fargo they were supposed to put in a dispute claim with information i shared to them. Also my checking account is now closed because of late fees for a overdraft they said that was on my account. I filed a dispute on that transaction as well, at least i thought i did. When my account got closed it would not grant me assess to well fargo mobile app because the account was closed, so i can not give definitive answer as to how much the account was overdraft. 
# 1. I'm assuming the dispute was never put in because my account is closed. # 2. Even though i put in dispute if wells fargo would have properly filed the dispute for the missing bonus money or even had they given it to me, it would have covered whatever they are saying the overdraft amount was, my account would have still been open. If your able to check my transaction history from XXXX  of last year, you will see that there was well over a {$1000.00} worth of qualifying deposit. I hope this gets work out for everybody invovled. This is the second time wells fargo closed my account for something that was not my fault

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