BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern : On XXXX XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Starting MSRP was {$28000.00} online but I ended up financing a {$46000.00} loan payment. I also provided a down payment for this vehicle. After doing some research, and properly reading through this contract, I discovered that there are some violations that I was not aware of before signing any documents. In addition, I never had an opportunity to read through this contract at the dealership. I was told to sign my signature electronically once on an XXXX, the XXXX XXXX for XXXX explained to me " what I was signing is a disclosure for them not to be able to release my personal information ''. Which it was not, Therefore I demand to revoke my signature from this contract. Also I demand The XXXX XXXX XXXX and I demand this Debt to be Validated. 
Under the XXXX XXXX XXXX XXXX XXXX - I move to exercise my right to rescind this contract. Due to improper clarification of charges. 
Under 15 U.S. Code {$1600.00} - Determination of finance charge - It states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a combarable cash transaction This Contract was not a Consumer Credit Transaction - Sum of all charges was not included - A down payment was issued - Signature was falsified on other documents that was not disclosed to me **Please see the Additional documents provided, with violations Circled** {$640.00} is a XXXX XXXX term is {$46000.00} but on my statement it display that the payoff amount is {$36000.00}. What is the extra {$11000.00} going towards? 

In accordance with the XXXX Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. 
I will work directly with the alleged original creditor XXXX XXXX XXXX and Consumer Financial Protection Bureau to ensure the best possible outcome to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
With EQUIFAX, 1.-Do not provide the option to save Online your report although it says so. The ONLY option available is to print 30 some pages report. 
XXXX It provides only a Summary, no FICO, no any score whatsoever, XXXX It has a link to contact them, you click on the link and the report disappears, there is no way to get it back. 

XXXX XXXX The report does not provide a link to save it online. Another 30 some pages print out. 
XXXX Plagued with wrong or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My brother passed away and I took over the home. The default in XXXX, XXXX resulted from my loss. I have sent my application and paystubs to my lender. I then called my lender today, XX/XX/XXXX and I was told that I was not under review. I was told that in order to be reviewed I had to speak to my assigned representative. I was told I had to make an appointment to speak to him and could not be transferred today. The first appointment available to me was XX/XX/XXXX between XXXX XXXX. The court has set a non jury trial for my foreclosure case on XX/XX/XXXX. Due to having to wait until the day of my court date to begin a review makes me unable to try to resolve my issue before I XXXX be issued a sale date. I would like a fair review to begin as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Earlier this year I reviewed my free annual credit report and noted that it contained mostly information for my twin brother. I had the issue easily fixed with XXXX and XXXX Equifax has not fixed the issue. First, they erroneously gave me access to my brother 's credit report through myEquifax. Despite charging me for the account monthly ( {$19.00} on XX/XX/20, XX/XX/20 and XX/XX/20 ), they did not fix the mistake or grant me access to MY credit report. They claimed that I had not updated my address and they could not verify my information. Since the beginning of the year, I have sent Equifax multiple documents, including proof of Social Security Number, proof of address, and proof of identity. Not only has the issue not been resolved, but today they refused to let me speak to a supervisor and on two follow up calls the system would not even allow me to speak to a representative. It is my right to access my personal credit information. I do not know what to do to be able to access and dispute the erroneous information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ACT XXXX XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-08-26
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed CKS Prime Investments LLC an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. CKS Prime Investments LLC received my initial letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. CKS Prime Investments LLC received my second letter on XX/XX/2023. 

After waiting for an additional 30+ days, CKS Prime Investments LLC failed to send their responses. 

I mailed my last letter, requesting CKS Prime Investments LLC to remove the alleged debts, # XXXX, # XXXX, in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, CKS PRIME INVESTMENTS LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. 

I do not know who CKS Prime Investments LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.

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 2023-02-14
Company: WELLS FARGO & COMPANY
State: NM
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:
I paid off my car early and never received my GAP refund back.

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 2023-01-19
Company: EQUIFAX, INC.
State: PA
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 unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems is trying to collect {$710.00} and has put a collection on my credit report. The collection was placed on XX/XX/2021 and an XXXX XXXX as the original creditor. I have never had any interaction with XXXX XXXX and never heard of them prior to the collection from IC Systems. I have reached out to XXXX and had no response to show what the debt is, when or where it originated or what the service even was. Letters have been sent to both XXXX XXXX and IC Systems with XXXX response.

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 2022-07-20
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, I received an email from what looked like to be my mortgage XXXX about the closing of my house. The email had my XXXX email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage XXXX had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a XXXX XXXX account. 

This has been going on since XX/XX/XXXX at DHI Mortage, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from XXXX XXXX account ( fradulent bank account ). I also went to multiple XXXX XXXX location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe XXXX ) of fake XXXX XXXX accounts were opened up during this time period, and the closing/housing information of XXXX of people who worked with DHI mortage were stolen by these hackers. My mortage XXXX and branch XXXX mentioned that several people, including myself, fell for this scam too. So many were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-02-16
Company: ZIONS BANCORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a saving account in Vectra Bank ( XXXXXXXX XXXX, XXXX, CO  XXXX XXXX with about {$250.00} on XX/XX/XXXX. I went to the bank on XX/XX/XXXX. I had been charged {$15.00} per month for dormant account. but I never get a notice about it. The manager ( XXXX ) told me the mail was sent to my address, but I didn't receive it. I asked her to waiver all these charges because I was not informed. She refused.

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank at Wells Fargo on XX/XX/XXXX XXXX ATM transaction took place of {$1300.00} I didnt authorize also I had an email of a new debit card sent to XXXX  XXXX dont live in XXXX I live in XXXX  they also say that a few other transactions took place yet on at the time I had deposited a check for {$2800.00} and I was at work after waiting for it to clear which took a few days on Tuesday the day it was clears I went from over {$3000.00} in my account down to a fast {$1300.00} roughly they are being XXXX  and I have no access to my account Im not online and I have ordered XXXX new debit cards and swapped to a new account number tried to solve the problem and it still keeps happening please help I feel that not only they should give me what belongs to me but also money compensation for pain and suffering cause my bills are suffering Thank you 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 monetary relief
Consumer complaint received 2023-02-02
Company: Williams & Fudge, 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: Old information reappears or never goes away

Complaint:
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: IL
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 sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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