BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX i entered into a consumer credit transaction with Honda XXXX XXXX and I have noticed that the XXXX and HFS have closed my claim as I was not provided proof of the investigation and have yet to acknowledge my request and they are still demanding payment when the Credit card already paid for the property for my personal and family use. I have yet to receive a billing statement that comes in the mail so I can accept the offer and have them transfer the Pricipal balance to the Principal account for set off. However, there are violations in the contract that they had me sign and now I am exercising my rights as the Agent on behalf of the Principal account. I have asked for all transactions and all copies of all history of statements, ledger, bills, disclosures and I demanded the account in connection to the credit card that I use for consumer credit transactions. I have had a few goods purchased since the year XXXX. I am in need of all my statements from day one and all contracts and applications, ciontracts, receipts of down payments with Honda Financial Services, They are ignoring my requests which puts them at fault and the burden of proof is on them. 

I also have comprehended that this last transaction on XX/XX/XXXX is also inaccurate and they have violations that needs to be paid to me within 10 days. I also have proven that the contract is null and void due to the contract violations that I have attached herein. 
I demand that HFS and Honda XXXX prove their claim and provide supporting evidence that they did follow the requirements in the law. I can assure you all that the dealership or financial institution factors, requirements, rules, guidelines do not supersede Federal Law. Please have them Prove me wrong. and they must with the help of the CFPB to do as full and thorough investigation and not a lousy incomplete investigation like last time. I do not have time to go back and forth as this is a waste of my valuable time. Help me get this matter resolved and have them issue me a violation check in the amount they are in violation for according to the Law. And I am trying to get this matter handled as quick as possible. DO NOT CLOSE THIS claim without proper due diligence. 
I need all hard copies of my requested items listed above to be mailed to me at my location as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Make sure they send via postal mail and I expect this to all be completed in 10 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 reported to TransUnion and XXXX that XXXX is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. XXXX correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} XXXXXXXX XXXX practices are deceitful and dishonest. XXXX is making it sound as if this {$29000.00} took 29 years to pay off and its harming my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CCF Intermediate Holdings LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a phone call from XXXX that my phone said scams likely a woman asked for me by my last name to which I responded this is she she then asked me to verify my first name and my social security number. When I told her that I did not feel comfortable with that and asked what the call was in regard to she told me that she had news for me but couldnt tell me unless I confirmed my information. I stated again that I do not feel comfortable giving out my information and that I do not have any business matters with her company she told me then to call speedy cash so they could tell me themselves. She got extremely irritated and began raising her voice during this time. When I called speedy cash I was forwarded to their customer relations, who searched under my name and phone number and told me that they do not see that any phone calls were placed to me and that I do not currently and have not previously had any business with them and that scammers frequently use their company name as a way to try and get peoples information. She then referred me to ftc.gov to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have spoken with all three credit bureaus in addition to the companies involved I sent paperwork proving that I did not open these accounts. Also, there are addresses that are on my credit report that I have never lived at, still, the credit bureaus refuse to remove them from my credit report. I placed a fraud alert on all three of my credit reports, but still, accounts are being opened without notifying me.

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: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to a XXXX XXXX for a piece of scuba gear for sale. The sellers name was XXXX XXXX. He gave me Zelle information for the payment using the number XXXX and name XXXX XXXX. It verified and I sent the agreed upon {$200.00}. He then blocked me. Zelle and my bank refused to refund. I subsequently found that the number provided for Zelle belongs to someone named XXXX living in XXXX who had no clue what I was talking about. Additionally there have been multiple accounts found with the same person under different name of XXXX XXXX. I have opened a police report and filed with FTC. I have screenshots and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally with Ameris Bank who then sold it to XXXX. XXXX has yet to receive the payments that Ameris Bank took and cashed from me in XXXX and XXXX. I have been unable to reach Ameris Bank at any of its numbers and I constantly get a recording that goes nowhere. I have raised the issue with XXXX as well but have not had any followup from them. Now XXXX is telling me I have an escrow shortage. Ameris Bank sold the loan sometime in XXXX apparently but somehow XXXX hasnt gotten the payments. At a loss on how to contact anyone at Ameris Bank to get the payments over to XXXX so it can be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting 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 did not authorize these companies to run credit, this is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXXXXXX XXXX account XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX account XXXX which is incorrect- I have never missed any payment on this account.

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 2023-09-25
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I called what I thought was the student loan consolidation repayment program. The number given to me was XXXX. They said that I qualify to have my loan consolidated into one and have one interest rate, but that I would have to pay an enrollment fee off XXXX. I made XXXX separate payments of XXXX on XX/XX/2023, and XX/XX/2023. They said they would take out XXXX dollars every month for 240 months for the program. On Friday XX/XX/XXXX I received an email from aidvantage, giving me my monthly statement and I was confused because I thought I had signed up for the program. I called and got enrolled into save but now I know that I got scammed the first time. The website I was given in the letter is https : //melds.ed.gov. I have the fraudulent letter as well as the real letter of the student loan consolidation and payment reduction program and its exactly the same. I can provide pictures and documents that they sent me about the fraudulent payment program I signed up for. They have all of my personal information and Im currently closing my checking account and getting a new one, Im filing a claim and am keeping watch if anything opens up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am not liable for this debt with I.C. SYSTEM, INC, an do not have a contract with I.C. SYSTEM, INC, An they did not provide me with the original wet ink application like I asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX & XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: MS
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NH
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 sent the letters off on XX/XX/2023, from the XXXX office here is my receipt number XXXX XXXXXXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-20
Company: AES/PHEAA
State: VA
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:
On XX/XX/XXXX I submitted a request to have my qualifying payments towards Public Student Loan Forgiveness ( PSLF ) reviewed because FedLoan Servicing ( FedLoan ) incorrectly calculated my qualifying payments. FedLoan acknowledged receiving my request on XX/XX/XXXX, but I still have not received the results over six months later. I have contacted FedLoan Servicing on two occasions over the past six months and they stated the review was still ongoing and could not provide me an update. ( FedLoan Servicing Case # XXXX, Reference ID : XXXX ) I requested to have my qualifying payments reviewed because their system incorrectly states that payments from XX/XX/XXXX to XX/XX/XXXX are ineligible payments because I did not receive a bill for those months. I did not receive a bill because I am an XXXX XXXX servicemember and I filed a Department of Defense ( DOD ) Student Loan Repayment Program Forbearance request ( XXXX No. XXXX ) to receive credit for a lump sum payment from a DOD student loan repayment program. This lump sum payment was made on XX/XX/XXXX in the amount of {$16000.00}. Pursuant to 34 C.F.R. 685.219 ( c ) ( 2 ), this lump sum payment should result in me receiving credit for twelve 12 qualifying payments based on the monthly payment amount required under my repayment plan at the time. FedLoan has failed to accurately calculate the correct number of qualifying payments despite me making a request over six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Netspend Corporation
State: WV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
i bought the prepaid card for online purchases, i have tried to use it multiple times and it keeps getting declined, i tried to take my money back at an atm and it was declined and i was charged a fee for it being declined at the atm. i tried to rectify by calling the customer service number but there is no way to talk to a person to fix the problem, it is only automated replies, i went to their website to get answers and tried to use the chat feature, i got an XXXX chat bot that eventually told me to call the customer service number because it could not connect me to a live agent. and of course the customer service number doesnt allow you to talk to a live agent either, so i sent an email and the response said to call the customer service number. i just want to use my card for online purchases but it wont allow, also when i went through the account verification process on their website, it said there was a problem with the verification and to call the customer service line to fix it, again not any way to fix or talk to a live agent on the phone, this is very frustrating.

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 2023-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I am the author of this complaint and the associated attachments included in this complaint on XX/XX/2023 I submitted a complaint to Chexsystems about a inaccurate account that's currently reporting on my credit report I was told that the account was verified but I never received the method of verification according to 15 USC 1681i ( 7 ) Please see the following attachment

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