BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this credit card with AAA for many years. I was informed that the credit card company switched from XXXX XXXX XXXXXXXX to Comenity. I noticed on my last bill from them ( I get paper statements in the mail ) that " XXXX  total year to date. Total fees charged in XXXX - {$50.00} '' Didn't understand. I pay all my bills on time and in full. I called Comenity and spoke to a representative. He explained that the date I choose to pay the bill, on that date, XXXX ( my bank ) sends a paper check to Comenity which get to them about XXXX days later. So if the bill is due XX/XX/XXXX, and I arrange to pay the bill through my bank on XX/XX/XXXX, and I arrange that payment the end of XXXX, on XX/XX/XXXX, XXXX sends out a paper check to Comenity. So the payment arrives late, after the XX/XX/XXXX due date. 
I was amazed that in this digital age, paper checks are sent from a bank to credit card. 
I called XXXX and they said that the payment should be received on XX/XX/XXXX, as in my example above. 
I looked at the payment activity on XXXX and saw that all the payments I make to companies are executed " XXXX or XXXX business day electronically. '' But Comenity 's bill says on my XXXX account " XXXX Business Days paper check ''. 
Comenity did give me a credit of {$25.00} from the {$50.00} fees. That {$50.00} fee is not on the front page of the bill, BTW, but on page XXXX. Other people might not notice it. 
I XXXX  complaints from Comenity and there are lots of people making complaints. 
Also, I got an email saying that my payment is due soon for AAA Travel Advantage Visa Signature card ( the full name of the CC ). No where on the email does it say that they are sent a paper check that takes time to get that check. 
They shouldn't be allowed to deceive the public. If you need more information, please let me know. 
In all fairness, I didn't see the actual fees $ XXXX {$25.00} added on to my bill. Is the company actually charging those fees? I would have to add up each month 's statements to determine that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I purchased a car on XX/XX/23. The price of the car was {$20000.00}. 

Problems : Of the number stated above, XXXX was for wheel locks, pinstripes, and door guards none of which were installed in the car On XX/XX/23, I agreed and signed with the salesman, XXXX XXXX, a breakdown of total costs being in the high $ XXXX. Paid a partial downpayment of XXXX 

I had to come in the next day, on XX/XX/23, to finish financing because the day I initially visited the dealership was a holiday, and therefore could not contact my bank. Paid another partial downpayment of XXXX, so the total downpayment was XXXX. I worked with XXXX XXXX from the finance office. She said the loan would be for over $ XXXX ( this already includes the deduction of my downpayment, therefore the total purchase was $ XXXX or $ XXXX higher than what I signed with the salesman, XXXX XXXX ). I asked to remove all of the add-ons, but she said she could not remove them otherwise, I would not be approved for a loan, even though I have a credit score of XXXX. But, she said I could cancel ALL of the add-ons within 30 days and receive a full refund to the principal of the loan. I asked her multiple times if I could get my money back, and she LIED multiple times and stated I could receive my money back for ALL of the add-ons and that I could not deny them or I would not receive financing. Therefore, I signed the under false pretenses due to the lies of XXXXXXXX XXXX  finance office. She said she would give me information on how to cancel the add-ons but never sent it. So, the next day, on XX/XX/23, I contacted the dealership to cancel the add-ons and spoke with XXXX XXXX on how to cancel. XXXX gave me their website page and told me she would get XXXX to contact me. So, I took the initiative to contact XXXX one of the companies for the add-ons. The representative from XXXX told me that not all of the add-ons on refundable, She said that XXXX add-ons with them are NOT refundable and XXXX MAY not be fully refundable. She said they had not yet received the contracts and that I could contact the dealership and VOID these contracts under false pretenses due to the lies from the employee before they would be sent to XXXX. I have tried multiple times to contact the finance department and XXXX XXXX but have not been able to reach anyone. 

There are discrepancies between the itemized list from the dealership and the contracts to XXXX. The dealer charged me more than the asking amount from XXXX, perhaps in a scam attempt to pocket the additional money. 

There was also an additional N/A charge of XXXX that was unexplained, perhaps in another scam attempt to pocket additional money. 

XXXX is way higher than the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Affirm Holdings, Inc
State: PA
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 was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX : AFFIRM INC XX/XX/XXXX {$830.00} AFFIRM INC XX/XX/XXXX {$330.00} AFFIRM INC XX/XX/XXXX {$330.00} XXXX XX/XX/XXXX {$8500.00} XXXX : ( hard inquiries ) XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an 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: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid fees to Quicken Loans to lock-in a 1.99 % interest rate for a refinance in XX/XX/2020 from a 30-year fixed to a 15-year fixed mortgage. I was told this rate was guaranteed until XX/XX/2020. The process for the refinance was terribly slow and XX/XX/2020 passed with no updates regarding the rate-lock expiration. Up to this point, I was pleased with the service I received, although it was very slow due to Covid, as the mortgage banker explained, therefore I tried to be patient. My mortgage banker did state, during the times that we spoke about this, that I could receive a courtesy rate-lock extension. 
On XX/XX/2020, a closing officer called me to discuss a new rate-lock agreement that required me either to pay an additional {$1000.00} or to agree to an increased mortgage interest rate to close this loan. I had not spoken with this closing officer before and I was taken aback at this persons rushed demeanor, especially as no one seemed to rush in the months I waited to close. I was told that the cost to re-lock the rate increased over time and the lender cant lose money. I explained that the expiration of the rate lock was due to their inefficiency, as I had all documents prepared, and questions answered, months ago with no additional items pending up to that point. 
I added that I might consider cancelling, as this process took four months when it was said to be approximately three to four weeks, to my recollection. The officer told me that if I cancel the refinance, I would lose the good-faith deposit that I paid, so I begrudgingly agreed to accept the {$1000.00} additional cost. I tried to invoke the courtesy extension that my mortgage banker offered to me prior to the rate-lock expiration, but I could not get in contact in time. 
I am very upset at this and I am under the impression that they allowed the initial rate lock to expire so that they could charge more than what was originally agreed to under contract. I was ecstatic at the low rate I received, and I was excited for what was to come, but this closing experience tampered with my impression of the company. I have no evidence that this type of closing is a regular practice of theirs, but it sure does feel like it! It has been nearly a year and this still makes me very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-03-24
Company: NCB Management Services Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Approx XX/XX/XXXX, I sent NCB MANAGEMENT SERVICES INC, A request for validation made pursuant to the ( FDCPA ), 15 U.S.C sub section 1692 ( G ) Section 809 ( B ). for the account in question. This request letter was received XX/XX/XXXX, via Certified mailing # XXXX XXXX XXXX XXXX XXXX postal service as third-party witness by NCB management Services INC. NCB INC, has exhausted the statues and limitations on the administrative process and good faith doctrine. The debt has not been proven that I am legally obligated to pay therefore, it is fraud and identify theft. NCB MANAGEMENT SERVICES INC does not have my consent to trade my personal property/information Via Privacy act 1974. 
I reserve my rights UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solution is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Amsher Collection Services, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2021-05-09
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company SYNCB/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2018-06-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-07-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to refinance my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.

Company response to consumer: Closed with explanation