BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: FISERV INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access it.

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 2018-07-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Here is copy of the follow-up email I sent to WorldRemit on XX/XX/2023 : WorldRemit Representative , I am still waiting for your response to what happened to my {$1000.00} ( XXXX XXXX XXXX ) that was supposed to be transferred into my XXXXXXXX XXXX account XXXX XXXX xxxx ) since XX/XX/2023. 

This incident has caused me a lot of business losses and disappointments over these XXXX solid days! 

I need resolution of this problem from you without further delays. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Collection Management Holdings, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX  and what actions he or she has taken in relation to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In recent publications XXXX XXXX, thats published on the CFPB websites states more evidence in what I been claiming towards CAC ( Credit Acceptance Corporation ) that the loan agreement was fraudulent and certain documents wasnt disclosed to me nor mailed and they denied helping me understand my Truth In Lending. I came to find out about the hiding interest fees they sent me after months of me disputing my contract. They mailed me a payment document that prove that I had no idea on these hidden interest fees.Also in the contract I asked about the security interest and stated in my complaint I wasnt informed about any of this which is more proof I was uninformed when I signed this agreement. I also arise with this company about their fiduciary responsibility that was also breached after they denied my IRS approved 1099a, also other instruments Ive submitted in Good faith to clear the debt and CAC denied me of the goods and services that they were contracted to provide to me. They have violated the TILA, FDCPA, GAAP, and my Civil Rights discriminated against me for using my rights. Credit Acceptance Corporation violated the Martin Act by engaging in fraudulent and deceptive practices making false and misleading representations and omitting to disclose and concealing material information in disclosures it made and cause to be made to investors and other in the course of the issuance and sales of securities in California and elsewhere. Credit Acceptance Corporation also took their time waisting my time sending me a identity complaint packet for the forgery of XXXX XXXX name on contract by XXXX XXXX XXXX and Credit Acceptance Corporation.

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 2023-05-09
Company: AMERICAN HONDA FINANCE CORP
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Honda Financial Services refuses to send me a notarized lein release letter for Form 4809 filled out so that I can get Honda Financial Services off my Car Title. Honda Financial Services claims that I owe about {$21000.00} +/-. I told Honda Financial Services that the accounting was wrong as the car was discharged under Public Law XXXX  XXXX XXXX Stat XXXX and that they were in violation of the Reversal Charge back Law as well as Consumer laws as well as the Arbitration Disclosure in the contract. A search of the UCC also reveals the Honda Financial Services does not have a commercial lein on my vehicle. Honda Financial Services send me a letter saying that my account was paid in full as well as my promissory note stamped Paid in Full. Despite letting them know this they still refuse to send me my lein release! 
XXXX Account # XXXX vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: MONEY SOURCE, INC., THE
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX of this year I became 100 % XXXX. My county tax assessor told me I would no longer have to pay OK taxes. Than gave me lots of paperwork so I was informed about the free tax items I could buy and limits. I immediately notified my mortgage co., The Money Source. Gave them the information they needed plus sent them a certified envelope to ensure delivery, they received it on XX/XX/2021. I have the signed green sheet from post office. I than proceeded to call them, basically monthly. I got excuses, lies, and broken promises. I even had the tax assessor fax them another copy. The tax office received a computer generated slip saying it was received. Kept calling, they continued to blow me off, lie or hang up. So in XXXX while making my payment I included only interest. principle and house insurance, plus some additional money to go against principle. They started calling, telling me I was delinquent. If I didn't pay complete balance they would report me to credit bureau. Made the same payment in XXXX, and they didn't report me to credit bureau but did add a late fee. Now in the mean time I had filed a complaint # XXXX with the XXXX. Yesterday I received a copy of their reply to the XXXX and they said they mailed my escrow of $ XXXX in XXXX. Plus said I had a new amount to pay, less taxes. Problem is on next statement they say I owe {$1700.00} plus a late fee. Under past payment summary they show my two {$800.00} payments but as unapplied! I also received a annual tax and interest statement which shows my escrow balance and that they still have it. So they have also lied to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: MO
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I received notification from my federal loan servicer that my federal student loans had been forgiven as part of the Biden-Harris Administration debt relief. The notice indicated the loan servicer had notified, or would notify by the end of the month, all national credit bureaus of my student loan forgiveness. However, they have failed to honor that requirement as part of the forgiveness. On XX/XX/2023, I filed a dispute through Experian. On XX/XX/2023, I received an update in regard to my dispute but it did not result in a change to my loan balance and payment amount. Instead, the loan servicer continues to report an incorrect loan balance and payment amount. Currently, loans that were not part of the debt relief have gone into repayment but my loan balance with the credit bureaus is incorrect. On XX/XX/2023, I reached out to my loan service through a web form which indicated inquiries would be answered within three business days. However, they have failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Synovus Bank
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from a credit card company named XXXX XXXX XXXX on XX/XX/2022 at XXXX. It asked me to open an attached PDF that had important info about a XXXX XXXX XXXX application that was submitted on XX/XX/2022. The email had my first and last name correct. I did not open the attachment. I started calling all 3 credit bureaus to place a freeze on my credit because I did not apply for this credit card. After signing up for XXXX ID Patrol... .I was able to look into my three reports where I found that a hard inquiry had been conducted on my credit report through XXXX XXXX : SYNOVUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This was completed on XXXX. 
I called the phone number and a person named XXXX stated that they are not XXXX XXXX but are called XXXX XXXX and would not help me unless I provided my social security number or the credit card number. I was not willing to tell them my social security number and I did not open the attachment so I do not have an account number or the credit card number. This is a fraudulent application and credit inquiry that is on my credit report. I want it removed and want the credit not to be issued because I did not apply for a credit card. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on 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 explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent three distinct disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing a purported 30 day late payment. They responded negatively to all three of them despite my providing extensive evidence that I had paid the account on time. They claimed that the lender had confirmed the late payment on all three despite a part of my evidence being the lender explicitly admitting fault in the matter and guaranteeing that the charge would 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 explanation
Consumer complaint received 2023-10-26
Company: FC HoldCo LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
For over 1 year now, I have been unable to access my account to make payments or get information on my payments being applied. I am not able to speak with anyone and have sent email requests for help to resolve the problem but they never call me back. My balance has not gone down at all from the time I purchased the car in XXXX. My balance is still the same. I have been waiting for a call to make my payment and the call never happens. But the fees are always applied. I am being taken advantage of and my country is unwilling to help protect XXXX veterans like myself from corporate greed and fraudulent charges. You are allowing this to happen and I am the only one suffering any damages and going broke in the process. I did not purchase this car with the intention of never paying it off. An audit of my payments should be made on my account. 
My account number with the company XXXX Please HELP MXXXX 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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This morning I discovered an authorized transaction from TransUnion. They withdrew XXXX from my checking account. The transaction stated TU*TRANSUNION XXXX XXXX I called them and they routed it me many times to different people. Each were asking social security number and birth date. They said they were going to refund me but their transaction caused me to overdraft. I looked online and this has happened to many people. I eventually was routed to fraud department and they said the number listed on the transaction is an old number. They said they put a fraud alert and security freeze but it is ridiculous that this happens with this particular company.

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 2023-10-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Navy Federal will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Navy Federal Credit Union Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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