BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: AMERICAN HONDA FINANCE CORP
State: LA
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:
My car was not reported by the finance company and I been going back and forth with them. But they refuse to contact any of the 3 bureaus and add my car. The company is Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Lending Club Corp
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/19 I sold my car through the service XXXX. As per the agreement they were obligated to submit payoff information to the lender, LENDING CLUB AUTO. After having to demand a payoff letter I submitted it to the buyer, the buyer insisted on having a physical address for overnight delivery and was denied this by the lender. The Lending club corporate office instructed the buyer to send the money to an address which they did. This check arrived via XXXX XXXX and was confirmed delivered and signed for on XX/XX/19. I called constantly to check why the status of the account and why it was late and was given a different story each time. In short nobody could figure out how to allocate the money from what seems like a corporate account to a regional account. After late fees and additional interest kept piling up Finally on XX/XX/19 the account was credited and I received a bill for what is called the outstanding balance. I tried in vane to get a breakdown of what these costs are for and if they are for interest for the 20 days they fumbled the money internally. I can not get a clear answer and do not think I should be liable for what seems like business as usual at lending club which is impeding the ability to pay off loans faster or even on time. the additional cost has been paid as I know it would affect my credit but think the lack of a description or explanation is unacceptable and feel I'm owed a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I understand that the CFPB is limited to what they can do about the Banks engaging in violations of CFR regulating the banking industry and knowingly participating in the violation of the provisions of Chapter 63 " Bank and wire fraud, Chapter 77 '' abuse of the law and legal process '', Chapter 95 and 96 " money laundering and violating the RICO Act '', all of the United States Criminal Codes against the citizens because we are XXXX people. 

Wells Fargo and I suppose to be in Mediation. I have tried to get the signature pages that purport that I sold XXXX XXXX XXXX, XXXX from Wells Fargo. I have also complained that Wells Fargo opened many accounts in my name misusing my signature, basically you open a checking account, so you think, and that turn into 3 or 4 open accounts. with the multiple accounts opened that you are not clear of, they can move your money around causing that {$35.00} NFS charge. I once deposited {$100.00} in my account. The same day I purchased a loaf of bread. That loaf of bread cost me about {$38.00}. It was {$3.00} for the brad and {$35.00} to Wells Fargo as they put the money in one of the accounts that you did not know about or was not clear of. This was done with the very same debit card that I used to deposit the {$100.00}. 

Wells Fargo has sent me over 200 pages related to the bank accounts opened in my name but they still refuse to send me the signature pages that purport that I sold XXXX XXXX XXXX in XXXX. I did not sale that house, it was conveyed with a fraudulent deed or an artifice as detailed in 18 USC 1021 and Chapter 63 of the US Codes. Wells Fargo Know and or knew this and facilitated the criminal acts to receive a blind eye form NC as Wells Fargo in short help the NC Court Officer 's steal equity out of the property belonging to the XXXX community violating 18 USC 241-241 with the promise of impunity.

I have had many conversations about the unwanted accounts but none about the sale of XXXX XXXX XXXX To be clear, I have talked hours about the unwanted accounts with Wells Fargo and about 5 minutes about the theft of my home. I have received about 200 documents about the unwanted accounts and 0 pages on the theft of my home. 

Wells frgo seem to want to address the small issue where I lost maybe {$500.00} at most but refuse to engage in mediation where I lost {$380000.00} ( the value of XXXX XXXX XXXX ) I plan on filing a Complaint with the US District Court, the XXXX XXXX XXXX NC if we can not resolve this. Wells Fargo can just give me back the {$380000.00} pursuant to 18 USC 1964 ( c ), three fold.

Wells Fargo is playing mind games causing and perpetuating psychological, financial and emotional injury.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a complaint with CFPB regarding the inclusion of XXXX in the Public Records section of my Trans Union report. In response to that dispute, Trans Union now has two XXXX accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to XXXX and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/2020. The new entries on my credit report, which caused my score to drop XXXX points, are dated XX/XX/2020. I have until the XXXX of XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-02
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( Citi bank ) concerning XXXX XXXX Visa Card by Citi with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called Citi Bank, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from citi bank two years ago. 
When I checked online at ( www.citicaards.com ), I found that somebody at citi bank opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize citi bank to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted Citi bank, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
Citi bank openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : Citi Bank XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Email : 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 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, EQUIFAX, AND XXXX have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED It is to my understanding that XXXX, XXXX XXXX and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all XXXX credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: GVA Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Spoke to agent and immediately requested to revoke my ach and pay off loan XX/XX/2023 approximately XXXXXXXX XXXX Az time. Spoke to an agent from cash advance now at XXXXXXXX XXXX Az approximate XX/XX/2023. Requested financial hardship assistance due to XXXX. Advised could not assist. Asked Agent what would be my pay off for XX/XX/2023, advised me {$660.00}. Advised I would try to get the funds to pay off loan. Called today XX/XX/2023 was advised due to a pending. ACH for XX/XX/2023 unable to pay off loan and revoke ach ( after agent took my debit card details ). Asked to speak to a supervisor. Supervisor advised me I needed to call atleast 2-3 days before ACH withdrawal to revoke authorization. Advised Supervisor unfair practices for Cash Advance Now. Was also advised I could only do a pay off for XX/XX/2023 via ACH and not debit card ( more daily interest ) the due date and the pay off would be {$690.00}. XXXX advised the modification to my ach would send a email that would state needs to revoke authorization for ach atleast 2-3 days before withdrawal. Email does NOT state this. Copied directly from the email You agreed that this Automatic Payment Authorization Change Notice will remain valid and in effect until your loan, including principal, finance charges and other charges, is paid in full. However, you may revoke this authorization at any time by contacting your bank, by calling Cash Advance Nows customer service line at XXXX, or by e-mailing us at XXXX. XXXX lender. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MA
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:
An account that I am not aware of keeps showing on my credit report. Synchrony Bank XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. Synchrony claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX Visa account with Synchrony Bank. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. Synchrony is reporting this along with XXXX  Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.

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 2021-03-11
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America without any notice, closed my credit card account, in the case of I don't have any credit irregularities, my three-year-old credit card account was forced to close by bank of America, and predation of all my points on credit card account, when I call customer service bank of america 's representative attitude is very bad, this card does not have any irregular transactions, no late pay, I don't have any bad credit history and i didn't get any answer from bank of america. I probably have 28500 points, I request bank of America to return all my points by check.

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be 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 non-monetary relief
Consumer complaint received 2023-01-03
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 belongs to someone else

Complaint:
I have sent my previous letter to Transunion and XXXX for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion and XXXX was XX/XX/, 2022 with complete attachments of my Personal information, but despite all my efforts, Transunion and XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion and XXXX investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation