BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-02-14
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Receive calls from Navient about 2 to 3 times a year indicating one payment in the rears. Loan payments are automatic and each time they call account indicates XXXX payments due. These people are EXTREMELY rude and never look for discrepancy between what account indicates and what they are seeing due. Moved up payment date twice for good faith effort to rectify situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OH
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  XXXX XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Delta Gold AMEX card with an offer to earn XXXX miles in XXXX of this year after spending {$2000.00} in 6 month period. I did spend way more than that but never received my promotional bonus points. Chat support or phone customer service failed to tell me why I didn't get the points or give me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2019-05-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Onemain company opened XXXX XXXX, 2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse

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 2023-06-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today is XX/XX/XXXX this past weekend we received a letter that we were behind on our mortgage. When we looked at our bank statement it showed that we paid the mortgage on XX/XX/XXXX. I looked to see if there had been an issue and the funds returned. I call Carrington Mortgage today. They informed me that they refused, REFUSED my XXXX payment, and let me know that my XXXX mortgage payment was being refused as well. They sent no notice of refusal. I have no notice of how to pay from them. We had had a problem in XXXX and XXXX with our payment being NSF. We were proactive and contacted the company. Is it legal for a company to refuse money without informing the person paying? Is it legal to change payment without contacting the person paying? We had no idea that they would or had done this and did not find out until it was too late. They now have charged us late fees for money that was refused by them. I repeat they refused the auto payment the funds were in our account for XXXX and XXXX without informing us. I have had my mortgage since XXXX and have zero issues. I called my bank because I could not see that the payment was returned. I could not see it because it was returned to us 20 days later, almost a month on XX/XX/XXXX. They have now refused our XXXX payment, which means more late fees. It is a known practice to hold money to put people in precarious positions and force foreclosure. If I had been notified of a new payment method. Not as part of a NSF or my monthly statement, but clear notice of a change we would not be late. This is underhanded and unethical behavior by this company. People should be asked if they want to change their mortgage company. When I look online, I see that this company is well known for being shady. I am a veteran, a mother of XXXX, and a XXXX woman. I will not be quiet about this nefarious behavior. Are there laws about how long they can hold my money, or if they must inform the consumer of significant changes to their account. I recorded all my conversations with them. They stated that they do not send out a notice, they wait for the consumer to find out. That means it is a company practice to be underhanded and force people into late payments and fees. We only learned about all of this weekend. I called them twice today. They could not tell me when my XXXX payment would be returned. My bank, XXXX, told me that it is not normal for payment to be returned by check, and that if they can take electronic payments they can return them that way but choose to return good payments in the slowest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian stated they removed a fraud alert without my consent. To my knowledge, this never happened, nor did I give permission, consent, or authorize a fraud alert to be removed.

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 2023-07-29
Company: EQUIFAX, INC.
State: AR
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 alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX Balance : {$480.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$740.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX : {$480.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXX XXXX : {$630.00} ; XXXX XXXX Balance : {$880.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Someone called from XXXX to my best friends phone ( the same number I provided on the previous page ) and stated MY name on her voicemail and that it was regarding a transaction I approved, and that her " output will determine the outcome of this serious matter '' -- he is walking a very fine line, I don't know what the calls about as I recently had XXXX and have a lot of debt now but the language is definitely deceiving and appears to be against UDAAP standards. The callers phone number was XXXX extension was XXXX name is XXXX, states he was calling from Alliant Capitol Management, a company I have never heard of. I can assure you that nothing she says will determine ANYTHING and this was a false and deceptive statement ( coercive ) to an unauthorized 3rd party-and I have never authorized any transactions by that company, that was a lie. The phone number provided for a return call is not the same number on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Self Financial Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Contacted before 8am or after 9pm

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] [ XXXX [ XXXX [ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXX XXXX XXXX ], on XXXX XXXX and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$720.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Portfolio Recovery Associates a letter to validate an alleged debt on my credit report. They responded with a simple statement, which is not meeting fdcpa guidelines to validate a debt. I sent them a follow up letter letting them know that unless they could sent me an original document showing my signature to this alleged debt they needed to cease and desist. The alleged debt has an address that is not mine. I have already filed a fraud identity theft with the FTC and also have filed a police report, and frozen all three bureaus. Hence the reason I am asking for a VALIDATION of this debt. 
Secondly, the statement they did send doesn't show any history on the account of payments or purchases or any interest or fees added. Also the Statute of Limitations on it expired. 
So please explain how they can NOT validate a debt that is also expired, and still try to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: General Motors Financial Company, Inc.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, a first payment was made, which we found out today that it was never processed at that time and there was no notification ( by mistake in the account number entered in the system ) from GM financial and then XXXX additional payments were made on XX/XX/XXXX of XXXX to maintain the account in advance. In XX/XX/XXXX we were traveling and we thought that the account had a month in advance, so a XXXX-day delay was reflected in an error due to non-notification of the first payment not processed and not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
in accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a cunsumer reporting Agency can not Furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Medical Data Systems, Inc.
State: NC
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:
When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.

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