BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Yamaha Motor Finance Corporation USA
State: ID
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX of XXXX I had bought a XXXX yamaha motorcycle from XXXX XXXX XXXX. I was able to register the motorcycle in the state of XXXX XXXX the same state that XXXX XXXX had it previously registered. I have recently moved to the state of XXXX and I am trying to register the motorcycle here in XXXX I do not have a lien release, as shown in the picture of my title there is still a lien listed on the motorcycle with XXXX XXXX. I have reached out to XXXX XXXX  multiple times spending hours on the phone with multiple representatives. They are not able to assist me due to my name not being on the account. I have reached out to XXXX XXXX over XXXX XXXX but due to him being stationed in XXXX ( he is in the XXXX XXXX ) he is not able to help me. I have reached out to his father who has power of attorney he has not responded to me after one or two conversations. I have recently put in a request with the FDIC but due to XXXX XXXX still being open they will not assist me. This is my last point until I take the legal route as I am trying to avoid that to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans  that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. 
This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. 

XXXX  first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! 

How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2023-05-12
Company: Optio Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of XX/XX/2023 Qualia Collection Services is reporting a collection account with the 3 credit bureaus ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$110.00} I have been disputing this account with the 3 credit bureaus for years. I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
I pulled my credit report and found that AMERICAN HONDA FINANCE is  reporting a late payment on XX/XX/2014 i also send out a dispute for all 3 credit bureau and noting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was unfortunately scammed over {$19000.00} last year by a company called " XXXX XXXX  '' i had sent my funds through Coinbase. Please refer to the attached letter for more details. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX  XXXX  XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
-I had a 36 month auto lease from XXXX XXXX XXXX that ended on XX/XX/XXXX. -The last payment was made on XX/XX/XXXX. 
-The vehicle was returned and was showed as paid off in full as of XX/XX/XXXX. 
-Then I receive a notice on XX/XX/XXXX saying that my credit score dropped 97 point due to a 30 day late notice from XXXX XXXX XXXX. 
-I then contacted XXXX XXXX XXXX on that same day and spoke to a XXXX XXXX . XXXX said it was a mistake and that they would send a letter to all 3 credit bureau 's stating that I was in good standing as he also sent me the letter that was sent to all 3 bureau 's. He stated that it could take up to 45 days for the credit bureau 's to respond and fix the mistake on my credit file. 
-XXXX and XXXX fixed the mistake on my file within the 45 days but Experian did not. 
-I then called Experian on XX/XX/XXXX and they told me that they did not have any documentation on file from XXXX XXXX XXXX and that I would need to file a dispute with them and that it would take 30 days for them to remove the late notice on my report if XXXX XXXX did not respond to Experian 's inquiry relating to the 30 day late notice. 
- I then called XXXX XXXX, at XXXX XXXX on XX/XX/XXXX and told him that Experian did not recieve the letter from them and that they are going to put it through there system and that it would come off if XXXX XXXX would respond to the dispute. They then looked into it for me and then responded back later that day and said that experian never posted anything on regarding my situation. 
- I then called Experian back several times and they just keep telling me that there isn't anything that they can do and I just need to wait until the 30 days are up which I was going to do until I found out that the 30 days didn't start until XX/XX/XXXX and not XX/XX/XXXX. 
-This entire situation has been a financial hardship and nothing but stress since I am going for a mortgage and will either get rejected for this loan or will have to pay for a much higher interest rate then I should get from them if my credit score was correct.

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 2019-11-18
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:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX  ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unverified amount charged to my credit report of XXXX this amount is unverified and I am not aware of this belonging to me under the fair credit reporting act section 609 this amount has to be validated with a original signature I am asking this debt to be removed from my credit profile Thank you Sincerely XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2018 i have settled two account s with XXXX XXXX  a collection company for XXXX XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted XXXX   today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX, a person by the name of XXXX XXXX stole a check forged my name and deposited the same into his account. I contacted Citibank regarding this matter, to no avail the investigation was closed twice due to Citibank 's failure of providing letters of information requested the 1st time and when having done so, up and to including a police report mailed into Citibank, they have not given me my funds back. I go to court in this matter on 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 explanation
Consumer complaint received 2023-02-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing to file a complaint regarding my IKEA Visa credit card. As a new cardholder, I was promised a {$25.00} reward certificate if I spent {$500.00} outside of the Brand within the first 90 days of opening the account. However, I have not received this reward certificate despite meeting the spending requirement in XX/XX/2022. 
I opened my IKEA Visa credit card account XX/XX/2022 and made purchases totaling over {$500.00} outside of the Brand within the first 90 days. I was expecting to receive my reward certificate soon after, but it has been over 2 months since I fulfilled the requirement and I have yet to receive it. 
I have contacted the customer service department of the card issuer multiple times to inquire about the status of my reward certificate, but have not received a satisfactory response. They have not been able to explain why I have not received the certificate or when I can expect to receive it. 
I am very disappointed with the lack of transparency and communication from the card issuer, and feel that I have been misled by their advertising of this reward offer. I believe that the card issuer is in violation of the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act. 
I would appreciate your assistance in resolving this issue and receiving the reward certificate that I am entitled to. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: NC
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:
I have made several attempts to contact Equifax for my report. Since XXXX I have been getting unable to deliver online. This year, XXXX, I was turned down for funding because of the Equifax report. I attempted again to get my report, only to get same decline online. I made several calls and can not get to a human. I called on XX/XX/XXXX to obtain a credit report through the automated system ( since its the only thing I could do ), and recording stated it would be up to 15 days to get the report. That would have been XX/XX/XXXX ( not including weekends ). Today is XX/XX/XXXX and no report. This is unacceptable for this company. They have also broken the federal law by not providing me with my report and I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using an overdraft protection app, and my bank PNC has blocked this app from linking to my account. My bank also rearranges my bill pay, and or large purchases to fall off so other smaller bills will come through, such as XXXX or XXXX XXXX monthly fees, ( these types of bills if the money is not there, the service is disconnected it does not cause an overdraft ) so by dropping off a large payment and letting these smaller bills go through, and then posting the large bill or purchase will cause an overdraft. I use these apps for this purpose, and now they have blocked this app. This is not legal, and PNC has class action lawsuits for this, apparently they have not stopped, please help me with this issue. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX  XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: American Credit Acceptance, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got a loan for XXXX. I made the first payment. Its a high interest loan. They told me its XXXX dollars a day on the balance i paid three days early. They told me my whole payment went to the interested no money went to the principal i still own XXXX. Its impossible at XXXX dollars a day the interest amount for the month is max is XXXX dollars. I ask why its reported my interest is 9 % and my contract states it 28 % when the max on an auto loan is 23 % they hung up because they couldn't explain nothing to me about my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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