BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: FORD MOTOR CREDIT CO.
State: MI
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:
From XX/XX/XXXX-present Ford motor credit continues to report late payments on my account every late payment on my account has been disputed and is not accurate they refuse for removed it and continue to attack my credit. Bring my score down. I am Not able to make payments on the car they have blocked me from paying on the car the car was totally out XX/XX/XXXX has been with the insurance sinceXX/XX/XXXX besides documentation and communication Ford Credit motor company refused to work with me and think i have The car when i do not have the car they contacted me harassing making fase statements on my credit report. 

I am Trying to resolve this matter they should be in contact with the insurance company they have the car and was trying to sell it. They have been calling car shops for the car i never Been too, family members & friends asking about this car i do not have. Constantly reporting late payments constantly making the balance higher fees higher late payments knowing i do not have the car and the car has been a total loss for over three months how is it legal for me to not have the car the car be told to me by the insurance company & ford credit motor company that it is a totally loss yet balance keep going up & they refuse to work with me & any way to resolve this matter. 

I am Trying to figure out where the car is & make payments arrangements & get a lawyer because they are treating me unfairly and stilll harassing Me and reporting untrue things on my credit report. This matter dealing with the insurance company and ford motor credit and  they way they have treated me and how i how Lost my car and independence has send me into a deep XXXX i have been hospitalized they know this and they know I do not have the car they know I am not trying not to pay my car note or avoid payments yet they still call non stop, ask me the same questions over and over again, call my job, boyfriend harass me and send me into a deeper XXXX. 

This is the third car i have Had with Ford i am a loyal customer i have Paid off two other cars drove fords for over 10 years. Was an employee my family has workers there for over 40 years mate over 10 years and this is how they treat you terrible all they care about is money. Said they would waive all late fees they said no we wont they keep saying different things now they are refusing everything and being rude to every one i have had call on my behalf. They know the conditions of the car they know the car is not driveable they know it is totally out they know i do Not have the car the insurance company does! Yet they constantly call me for it i can No afford to pay the whole car note because i still Have to get around but i can Still pay something but they will not allow me to they are being so disrespectful and hard to work with and i dont understand why!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BYL collections, XXXX XXXX and XXXX XXXX XXXX, Representative XXXX, contacted me reguarding a bill with XXXX XXXX XXXX. The bill is due to identity theft. The spelling of my name is incorrect, I never lived in XXXX XXXX, NV. XXXX XXXX XXXX informed me the bill has a contact person being XXXX XXXX. Neither company can provide me with any documentation containing my signature, only a computer printout. This company is requesting me to fill out fraud papers with my signature, but I refuse because I am afraid to give any information to this company to give them identifying information to pin this bill on me. I sent the paperwork to the three credit bureauls with a police report. This is an attempt to collect a debt not owed by me. this is not my debt. I tried to resolve it with the company but they insist on making me pay this bill but IT IS NOT MY BILL! I want proof of validity of this account and when it cant be provided I want a deletion as well as for them to lose my information and stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are not mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am disputing a Chapter XXXX Bankruptcy that is on my Credit Report. I do not recall filing a Bankruptcy on XX/XX/2012. I have contacted the Federal Bankruptcy Court in Arizona and the letter I received back ( see attachments ) does not confirm the bankruptcy belongs to me and also states they do not furnish information to the Credit Bureaus.

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 2021-04-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I reviewed my statement and discovered that several thousands of dollars in fees had accumulated in a separate balance on my mortgage account. Those fees were not reflected in my outstanding balance so I never noticed they were present until I checked my statement. After reviewing the fees, I discovered that I was being billed for electricity and several property inspection fees as if my home was in foreclosure, but my account was current and a tenant lived on the premises. An investigation revealed the mortgage company, which at this time was Ocwen, called my electricity servicer, XXXX XXXX XXXX XXXX and XXXX, removed my tenant 's name from the electricity bill, and billed me for those fees. Those fees accumulated in this separate balance for several years dating back to XXXX. I also discovered that I was billed property inspection fees, trip charges, etc. The current mortgage servicer, PHH Mortgage, has refunded some of the utility fees dating back to XX/XX/XXXX, but I have disputed an additional two years of fees. This dispute has been ongoing since XX/XX/XXXX and PHH mortgage has been very slow in remedying the issue. The mortgage company had no right to intervene in my affairs.

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 2021-05-21
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Originally contacted XX/XX/2021 hmfusa ( Hyundai Motor Finance ) ; a " charge-off '' was placed on my account after the vehicle was deemed a total-loss ( losing XXXX points on my credit score ), as never being late on any payments and paying my loan as agreed per terms of my agreement I contacted hmfusa and requested the inaccuracy to be removed and sent a letter on XX/XX/2021 to hmfusa XXXX as of today ( XX/XX/2021 ) I continue to make timely payments as agreed by my loan 's terms. I disputed this inaccuracy with XXXX XXXX and XXXX and so far XXXX denied my request to delete the charge off status even though I have proof that I was never late or less than the minimum amount per month. I don't believe it is okay to mark a customer 's account as a " charge off '' and damage their credit when they've never been late or had missed payments. and nowhere in my loan contract states that you are able to determine the account as a " charge-off '' whenever you feel like it. In conclusion, I will never do business with Hyundai Motor Finance again.

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 2021-09-24
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: Account information incorrect

Complaint:
These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help 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 2018-07-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A stop payment was requested against XXXX XXXX with my banking institution/XXXX  XXXX on XX/XX/XXXX. While initiating the request an " estimated amount '' of the transaction was to be provided, with the understanding the amount wasn't necessary to stop the payment as long as the merchant information was correct. It was presented in a manner to seem as though it was a filler amount for the banking customer service side. Stop payments have a fee of {$31.00} per bank account. As this merchant and I were in dispute that may go to litigation, I felt this would be the correct course of action, barring closing bank accounts. What followed, the merchant was able to post a transaction to my account on XX/XX/XXXX. The stop payment was not effective whatsoever. After speaking with Wells Fargo today, XX/XX/XXXX, they then stated that the amount was I gave them as an estimate was not accurate, so therefore they could not stop the payment based upon the merchant information. After speaking with XXXX, XXXX and then finally XXXX in the customer service department, a " courtesy '' reimbursement for the stop payment fee was issued after they originally stated they could squeak by with reimbursing {$7.00}. As I've been a Wells Fargo customer since XX/XX/XXXX, I've reached the limit on my customer loyalty after experiencing horrible customer service coupled with scam fees.

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 2020-01-23
Company: EQUIFAX, 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:
This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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:
This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX XXXX account listed under XXXX XXXX ( maiden name )

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 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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 information incorrect

Complaint:
XXXX account is showing a delinquent account. My record with account shows all on time payments. I did not go over my llimit. I closed my own account. This is another mark on my account that i dont need. This time i did nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2020-01-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on XX/XX/20 in the amount of XXXX. I was told the XXXX portion on the amount for XXXX wld be available on XX/XX/20 and the remainder XXXX on XX/XX/20. After submitting a bad review of the poor customer service I experienced during my visit to a specific branch, my account was put on a freeze and I could not use/access funds via my debit card and the available direct deposit from my employer. The put a branch hold on my account for no substantive reason. I believe I was profiled because of my race/ethnicity and retaliated against for giving the teller, who was the branch manager who placed the hold on my account, a bad rating. The bank has provided no justification for further delays in releasing my funds or why my payroll check was initially withheld and my debit card restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
This old XXXX account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on Experian. It is bringing my Experian score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: WA
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:
Experian only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does Experian, XXXX and XXXX do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks 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 2019-11-05
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/17 I talked to the CSR at the bank and he agreed to waive the late fee. I paid the instructed amount. The next month I received another interest charge. Upon calling, the CSR advised me that it was their policy that even if the bill and interest were paid in full I would have to pay interest for the additional two months before the interest charges were dropped.

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