BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Checkr, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I provided my address including zip code Checkr report altered my zip code to an inaccurate zip code Checkr report provided false information regarding the status of my Drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Volvo Car Financial Services U.S., LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I never received a loan. Each party received actual cash value on the exchange. You have performed fraudulent Title 15 collections against me, making me believe I receive a loan from you. I received no such Thing. It was an exchange of actual cash value for actual cash valueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Has material breaches of the binding arbitration agreement that was entered into on XX/XX/2022, have occurred. 15 U.S. CODE 1640 ( A ) RETURN OF PROPERTY THE SUM of XXXX XXXX XXXX XXXX XXXX  and XXXX cents. {$150000.00} PAYABLE TO XXXX XXXX XXXX XXXX 15 U.S. CODE 1635 ( B ) Return of automobile XXXX  XXXX XXXX Vin : XXXX 15 U.S. CODE 1635 ( F ) RESCIND OF CONTRACT AS IT WAS NOT PROVIDED 15 U.S. CODE 1644 ( A ) LL ADVERSE NEGATIVE REPORTING TO ALL CREDIT REPORTING AGENCIES UPDATED AS NEVER LATE PAID IN FULL UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT Debt discharged, and a settlement. according to Uniform Commercial Code Section 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the instrument is refused, there is discharge to the extent of the amount of the tender of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' An EFT is an offer to pay. It is also a " bill of exchange.

Bill of Exchange Act 1882 : 43 Dishonor by non-acceptance and its consequences A bill is dishonored by non-acceptance UCC 3-415. OBLIGATION OF INDORSER ( c ) If notice of dishonor of an instrument is required by Section 3-503 and notice of dishonor complying with that section is not given to an indorser, the liability of the indorser under subsection ( a ) is discharged.

Uniform Commercial Code Section 3-604 : Any party making full tender of payment to a holder when or after it is due is discharged to the extent of all subsequent liability for interest, costs, and attorney 's fees. The holder 's refusal of such tender wholly discharges any party who has a right of recourse against the party making tender. 
Where the maker or acceptor of an instrument payable otherwise than on demand is able and ready to pay at every place of payment specified in the instrument when it is due is equivalent to tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NJ
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account XXXX XXXX XXXX ( Original Creditor : 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 2021-08-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I've submitted CFPB complaint # XXXX against American Honda Finance Co. ( AHFC ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with AHFC via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from AHFC accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of AHFC practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting AHFC via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called XXXX XXXX, XXXX ( XXXX ) demanding for me to pay {$100.00} where the Original Creditor is AHFC, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact XXXX via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: Fidelity National Financial, Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
The complaint is in reference to the title company : XXXX XXXX XXXX XXXX XXXX Texas , XXXX. 
Our loan was set to disperse XX/XX/2020 and due to the negligence of the title company our pay off was not calculated correctly. The payoff was shorts funds to pay off the loan entirely. The original lender reached out and spoke to the title company advising them it was short and that they needed to contact us and see how we wanted to proceed in paying the difference. We never heard from XXXX XXXX XXXX. The original lender emailed my husband on XX/XX/XXXX advising that the payoff was short and requested how we would like to proceed. After checking documents and confirming that the payoff was not calculated properly we were now looking at additional fees due to XXXX XXXX not completing their work appropriately. 
I have called XXXX XXXX ( XXXX ) numerous times and can not get in touch with a live person and have requested callbacks ; I have still yet to receive a callback. I have also sent emails ( XXXX ) requesting a call to discuss this error and request compensation and an explanation why we were not contacted and why our funding did not occur when it was scheduled. They have completely ignored and disregarded what has happened. 
Having worked in the mortgage industry for many years this is absolutely unacceptable and should never have happened. The lack of responsiveness and following of procedures is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am attempting to close a credit card account with the Bank of America on behalf of my elderly mother for whom I have power of attorney. I have not received clear information despite contacting both the customer service number and a local bank branch. The instructions request a power of attorney document with signatures of the Attorney-in-Fact. However, the Attorney-in-Fact is me, and yet I do not sign my mother 's power of attorney ; I am simply named. The process has taken long enough that they have now billed her {$75.00} for her annual fee. I am sending a notarized power of attorney to the Bank of America and requesting the annual fee be removed as we are in the process of closing this account. 

While at this time I am waiting to see if what I have provided will work, I did want to register this with a consumer protection group. Communication from the Bank of America provides no contact number and requests information that can not be provided in a language that can not be understood. I even went so far as to send a copy of it to my attorney and even she did not understand what they were requesting. 

My issue with Bank of America at this point is the lack of service and clarity for its customers. The process I am going through often happens in times of stress and sadness. And while families are trying to deal with an issue, a credit card hangs open for use or fraud, and services charges are applied. I am also taking this action because attempts to work with the Bank of America have been unsuccessful up to this point.

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 2023-07-17
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Current account # XXXX which has been functioning without incident for almost 3 weeks. Without notice, Current Fraud Operations cancelled my pending ETF and sent me a verification request. I promptly submitted all documents ( Photo ID, Selfie holding ID, XXXX XXXX  Statement ) and asked for an ETA to resolution, follow-up timeframe, contact information, etc. I have spoken to almost 20 Agents and Supervisors throughout the organization ; Nobody at Current will provide the contact information for the Fraud Unit, Executive Response Unit, Office of the President/CEO, or even a timeframe within which someone from Current will proactively reach out to me to confirm resolution. In the meantime, I have been lied to, given contradictory information, hung up and disconnected on while my access to my account funds ( presently {$340.00} ) is fully restricted ; I can not make any Inbound/Outbound transfers, and my Debit Card access is locked for purchases/withdrawals. This is tantamount to theft of my {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lloyd & McDaniel PLC attorney, XXXX XXXX XXXX filed a writ of garnishment on me for a XXXX  XXXX XXXX that was dismissed in XXXX. They failed to notify me by first class mail within 5 days of the filing. They did not attempt to have me served with the writ at all. They had XXXX $ taken from my check through my employer without even notifying me of a debt, receipt XXXX through XXXX XXXX XXXX XXXX. They failed to provide me or the court with a copy of the judgement they say they were awarded XX/XX/2018. They mailed a large envelope of another person 's legal matter to me by accident in XXXX. They are harassing me for a debt that was already dismissed and failed to follow the fair debt collection practice act. This was published on our courts website as a wage garnishment and it's not accurate. They're deceptive collection practices are unlawful and violate my rights. The bottom of the attached file states they would notify me by certified mail within 5 days and they failed to do so. An attempt was not made to notify me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI Inc, they did not send any written communication to inform me of this debt before they added it over and over again to my credit report. I have never done business with this company and was unaware of any debt I have or had with this office. 

I request legal proof of this debt and for AFNI to cease reporting the same debt over and over again to the credit bureau. 

I have a government issued Identity protection that alerted me on XXXX/XXXX/XXXX that Afni, Inc added XXXX to my XXXX report. I also received an alert today XXXX/XXXX/XXXX that it was again reported to XXXX. 

I have another credit monitoring company through XXXX that alerted me that this debt was reported to XXXX also on XXXX/XXXX/XXXX still without proof of debt owed. 

Lastly, there is another creditor named XXXX XXXX that is reporting the exact same debt ( just a dollar off ). AFNI, inc has also re-aged this debt to look like a new debt everytime they report it. My credit score is taking major hits from these fraudulent recovery activities. I will be in touch with OPM credit monitoring as well as XXXX to report this fraud if they do not cease and desist their efforts to ruin my credit. 
I have also contacted a lawyer who is willing to take my case due to the proof I have for fraud. This is my last attempt to get them to stop or else!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: PNC Bank N.A.
State: TX
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 called the company ( PNC Bank ) on XX/XX/XXXX of 2023 to pay off existing loan and get the title sent my way. They sent over a letter saying it was paid in full but my title never made it. I gave time for it to find its way there but it never came. In XXXX, I reached out to the company about the title not making it and asked them to send it to a new address. Again, the title never came even though I paid off the loan on XX/XX/XXXX. They claimed no one was home to receive the title even though my wife and I were home with a newborn baby and not leaving the house. I called again today to try again and they said I would have to retrieve the loan through the XXXX and they could not help. I believe this is not consumer friendly and predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
my credit limit for best buy card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to 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 monetary relief
Consumer complaint received 2023-10-20
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 status incorrect

Complaint:
This is XXXX XXXX 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 response to consumer: In progress