BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NY
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 following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have a loan with Honda Financial Services for a XXXX XXXX XXXX. We have always made timely payments on the account. Beginning in XX/XX/XXXX, we sent in the usual payment which we mailed several days before it was due. We subsequently received the next month 's statement indicating that there was a past due amount as well as the current amount due ( I figured that the check somehow got lost in the mail ). We immediately sent in another check for the past due amount as well as the current month amount. After we mailed this double payment, Honda Financial Services finally cashed the XXXX check on XX/XX/XXXX ( over a month later ). The second double-payment check that was sent in XXXX was finally cashed on XX/XX/XXXX ( again, a month later ). I called Honda Financial Services on XX/XX/XXXX to complain about the late cashing of my checks. On their recording at XXXX there is a message indicating that they are aware that the U.S. Post office is understaffed and that payments have been received late. When I spoke to the representative, they agreed to remove the late fees ( {$20.00} in total ) however they said that they could not fix the negative credit reporting. I explained that I mailed the checks in plenty of time and that they cashed them very late and it is no fault of mine that the U.S. Post Office has been behind with delivery. However Honda Financial Services would not repair any negative credit reporting. We will be paying online in the future to avoid use of the postal service ; however we want the negative credit reporting to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is verifying all information less than XXXX XXXX no information is accurate

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XX/XX/XXXXNV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

XX/XX/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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.

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 2023-04-06
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX my card was cancelled. I have been a customer for over 20 years that is longer than the CEO 's. I first learned about this in XX/XX/XXXX. That is when I called to try to get my card re-instated. Instead I got this Executive Office of Customer Advocacy department who just gave me a canned response that they are not able to do it. I dont buy that. Im not quite sure what this department is supposed to do but it is not to help customers. I am asking for my old card to be re-instated. Credit card companies have a responsibility to communicate with their customers in every way possible. Discover did not do that. I have gotten ALL their e-mails in the past. To close my account they send it via mail. I have moved several times over the years and probably did not get it. THIS IS THEIR ERROR AND THEY HAVE TO FIX IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-17
Company: AXOS FINANCIAL, INC.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I asked Axos Bank to close my account and transfer the funds to my personal bank account, which they have in their records since it was the account I used to periodically transfer funds to their account. This happened on XX/XX/2021. As of today, XX/XX/2021, neither my account has been closed nor the funds transferred to my personal bank account. All this has been documented within Axos Banks internal message platform, and since a rep has been attending my case, they are fully aware of this. 

The total amount of funds that have not been transferred to my personal bank account is {$5400.00}. I have been loosing money for more than a month while they are benefiting from them at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
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/2019 I made a purchase using my BECU visa credit card in the amount of {$28000.00} from XXXX XXXX. 
This purchase was made by myself. BECU has taken it upon themselves to dispute and chargeback this card as a fraudulent transaction and chargeback the merchant. This purchase was in fact made by me and BECU had no right or permission to mark this transaction as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Columbia Debt Recovery XXXX is reporting a XXXX Collection on my account when I am not liable for any debt with XXXX XXXX, and I never had no contract with Columbia Debt Recovery XXXX. They do not provide me with the original application like I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX ) XXXX that stated I was having two allegations from XXXX County which I then begin to panic. The gentleman provides me with a reference number XXXX, and a phone number to call XXXX XXXX XXXX XXXX. I call the number and Im speaking to some girl and provide her with the reference number and she begins to tell me that ACE cash express is filing legal proceedings for two allegations against me for : 1. Broken legal contract on failure to repay the loan, and 2. Attempting to defraud ACE because I knowingly failed to repay. I am completely unaware and blindsided by this that I explain to the lady that I never received any mail in regards to this as I do not receive mail at my physical address, and that I use a PO Box . She stated that I would have to pay upwards of {$3000.00} if it were to go to court and I would have these marked in public records making it hard for me to get a house or new car, etc. I ask her if there is any way to take are of this issue and she stated that she would talk to her legal advisor. After being on hold for 1 minute and 30 seconds she comes back on the line and says that they are willing to settle and not take me to court if I paid {$1800.00} to the company by the name of XXXX XXXX. After stating that I couldnt pay that now she was able to make a payment arrangement of {$450.00} bi weekly that would be drafted from a company named XXXX, but I would have to secure a debit card on file. None of these companies match or correspond to anything I have ever heard. After I asked if I would be receiving a receipt or some type of document stating my name and who I was paying to and the amount she stated, the best I could do for you is give you a confirmation number. I began pressing the issue and she stated that upon completion of payment for the entire {$1800.00} I would receive an email attached with the deferred documents and legal action would no longer be taken against me. I mind you that the initial loan was only {$200.00} on an account opened in XXXX of XXXX! This is mind boggling, and I feel shaken in my boots because I have never been notified of this issue. I feel like they waited so long, if this real, just to get more money out of me. I dont know what to do. Ive never been in any legal action and I feel threatened, worried, and confused. Also, when I asked if XXXX County, the county I reside where the loan was initially taken out, would have any documentation of this issue she stated, feel free to reach out to them. I also asked for another phone number to call and she said that they would be the company proceeding this matter. This is crazy and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

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 2023-01-14
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account # XXXX has violated my rights, 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 has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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 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 2021-02-15
Company: V and H Portfolio
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance and Huffman LLC is reporting on my report in the amount of {$1000.00} I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently looked at my report and was quite shocked to see a late payment reporting in XX/XX/2019. I am not sure how this occurred. I believe I made my payment to you when I get the bill. My only thought is that I never got a bill.

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 2021-07-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I made a payment recently that has not posted to my account. It is now past the due date, and I have a final payment coming up in a few days that I need to make to avoid interest fees. The most recent payment date was XX/XX/2021, amount {$880.00}, and I received email confirmation about the payment. Payments I send to them always post within one day, so I know something is wrong. I tried contacting them by phone but can not get a real person. The automated system informs me that my most recent payment was on XX/XX/2021 for {$2500.00} ( this was NOT the most recent ). I NEED to get this resolved ASAP so my balance can be paid in full before the promotional period ends. Their automated chat system provides absolutely no options to help me with this. 

The real kicker is that my Paypal credit account recently had the same issue. So something is going on with Synchrony Bank ( who does both Care Credit and Paypal ). Luckily, Paypal support was able to fix my issue there. Care Credit is absolutely impossible.

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