BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NM
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The late remarks are not consistent among the reporting bureaus. Also the date of last active is not consistent too.

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 2023-03-23
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Bought XXXX from XXXX  XX/XX/XXXX XXXX XXXX Financed with Honda Financial Corporation out of XXXX XXXX XXXX XXXX XXXX  Refinanced Loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX from previous Loan with Honda Financial XXXX for {$800.00} which we paid in cash was to be refunded. 
called the XXXX XXXX XXXX [ re : XXXX XXXX ] to confirm the entire amount would be refunded to me. 
XX/XX/XXXX XXXX  at the XXXX XXXX said the {$800.00} premium check XXXX XXXX was mailed to Honda Financial Corporation and cashed by Honda Financial XX/XX/XXXX. 
Honda Financial Corporation to date has kept the funds. They no longer answer the phone, letters, text or email. 
The dealership XXXX XXXX will not help as they have received their commission and it is no longer their issue I am told ONLY the Honda Financial Corporation in USA [ not XXXX the XXXX XXXX ] can help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 convergent account # XXXX XXXX XXXX XXXX for, {$930.00} 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 an account without my written instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act convergent account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was paid before collection agency purchased the debt from XXXX. Debt is too old to be showing on credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Notice to Correct Credit Report To Whom It May Concern : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.demand the following statements be verified or removed immediately. 
Sincerely, XXXX XXXX Name of Account Account Number Provide Physical Verification Creditor XXXX  XXXX XXXX CLOSED XXXX  XXXX XXXX CLOSED XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX  Original Creditor XXXX CLOSED XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXXXXXX CURRENT PAID XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX CURRENT PAID XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX PAST  XXXX XXXX ( REMOVE ) XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX 
CLOSED SANTANDER CONSUMER USA XXXX CLOSED / PAID OFF XXXX XXXX CLOSED XXXXPAID OFF XXXX XXXX XXXX XXXX CLOSED /PAID OFF XXXX XXXX XXXX CLOSED /PAID OFF INCORRECT Addresses- ( PLEASE REMOVE ) Address ID # XXXX ONLY ADDRESS ( CURRENTLY ) Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is calling family members at work while informing them of my debt. My family does not want to be contacted about any debts that are not regarding them. I haven't received any written communication regarding whatever debts they say that I owe yet they're disturbing family members about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
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:
My name is XXXX 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 2020-01-31
Company: EQUIFAX, INC.
State: NV
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 been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
NewRez bought my loan starting on XX/XX/XXXX. My first payment to them was due on XX/XX/XXXX. I summitted my payment on XX/XX/XXXX via their mobile app. The company rejected my payment for no apparent reason as the bank account had the funds available. The bank was never charged for the amount. NewRez then added a {$20.00} NSF fee to my account. I reentered my payment on XX/XX/XXXX to be drawn from the same bank account. The payment processed without issue. I contacted NewRez to remove the NSF fee because there was no reason the first payment should have been rejected. NewRez did not remove the fee. I payed the fee on XX/XX/XXXX to avoid it going to collections. I looked up online and found a few other complaints of NewRez rejecting payments made on the App for no reason. I think my first payment was rejected due to an issue on their app and I am not responsible for it. It is possible I entered in the wrong bank info. If I by mistake entered the wrong info I should have been made aware that the bank account was not valid and not charged a NSF fee as well. The bank account this payment was from shows a record of a XXXX transfer from my other bank on XX/XX/XXXX of around {$1400.00}. It shows other bills be drawn this account in in the days that followed. I can prove the account had the required payment in it on the date the first payment should have been applied if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My car was broken into and my phone and personal belongings were all stolen. Somebody made a bunch of charges from my XXXX XXXX  that is linked to my personal and business debit account. I called them to inform them that my car was broken into and they told me some charges that werent authorized then I called to report my phone stolen I submitted all documents from the insurance company showing the phone was stolen They are denying to credit my account back and feel that I shouldnt responsible under the fair credit billing act since I did not authorize any of these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 at XXXX I have three very sketchy charges go through on my chime credit builder card. The first charge was for {$1000.00}, which was denied. Then they tried {$1.00}, and that went through. Then they charges {$100.00} and {$500.00}, both went through. It is nearly impossible to get in contact with anyone at chime and when I do I just told that they are working on it and will hopefully have the dispute resolved by XXXX. The charge for {$1.00} has been returned, but the other two charges totaling {$600.00} have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE company calls me frequently, each time from a different phone number. They never leave a message to tell me who is calling or why or how much I owe. Sometimes they have called multiple times in a row. I only know it is from CBE group because my phone gives me caller ID and I check unknown numbers online. I have tried reaching out to them about their calls, asking them not to contact me at work ( they only stopped calling me during work starting XXXX  despite me telling them my days off way before then ) and when I ask why they keep calling they are vague and refuse to tell me what I owe, how much I owe, what it is from, a reference or account number, or literally ANYTHING that I could use to find out information about this supposed debt. I can't even call the numbers they call me from most of the time because no one answers or it says the number is no longer in service. They have been calling me for quite a while, at least since the beginning of XXXX ( possibly before, but I did not have caller ID on my old phone so I don't know for sure ). It seems like every time I try and use their website to get a phone number, the number is different so I stopped trying to contact them because I didn't know that there was any way I could report them or find out ANY information. I do not have any letters from them that I can find ( I have been saving every letter for the past month and a half to see if they may finally mail me something ) and I'm frustrated. I have no information on them other than a name ( CBE group ) and the fact that according to my caller ID, they call from a LOT of different phone numbers. I have stopped answering their calls at all because I have no evidence that I owe them a debt and I will not talk to them again until I have that information ( in the past when I picked up, they started calling daily ). My phone only saves missed calls for a month so I have limited information unless my cell provider keeps those records for longer. For the dates I currently have access to, they called XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those are the times caller ID was noted on my phone. I also received quite a few other calls from numbers tied to the group ( according to XXXX, however, my caller ID did not mark those calls as from them, all of those were on days I worked ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an engagement ring on credit through Comenity Bank from XXXX the XXXX in XXXX, CA. The purchase I agreed to pay on came out to {$110.00} per month with special promotional financing at 14.99 % APR at 36 months. Comenity was billing me over {$250.00} for the first several months and than after several formal and informal disputes they lowered their monthly payment to {$180.00}. When Comenity failed to reconcile my account I had XXXX, the sales manager at XXXX, contact Comenity on my behalf and Comenity would not speak to him due to privacy issues? He contacted corporate and supposedly his district manager was able to get my payment down to {$120.00} ( which isn't the correct amount but he tried. 

In addition, Comenity is charging me a late fee and finance charge because I will not pay the full amount they say was due last month - {$180.00}. I paid {$110.00} and they wont credit it back. If they agreed that their billing was wrong when they spoke to corporate than why wont they credit me back the late fee and finance charge? I have submitted every receipt, their own monthly item price spreadsheet that I was given a copy of and my own spreadsheet to help show them where they went wrong in their entries and the only thing they've done is make my account activity extremely hard to understand when you look at it online. It's like a 7th grader put it together. She cringes everytime I bring it up. Thank XXXX for XXXX and for all his help because Comenity sure wasnt any help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX XXXX XXXX  XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX  and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX  ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees.

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''

Company response to consumer: Closed with explanation