BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: WI
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:
urned in my XXXX XXXX XXXX lease with XXXX XXXX in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from XXXX XXXX that the information 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 explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
We bought a car from  XXXX   XXXX , it was an  executive  driven car with low mileage on the car. After multiple trips back to the dealership to rectify the transmission problems, they continued to say the car did not have any issues and it was fixed. We finally bought a new car from  XXXX  and they bought us out of the  XXXX . We went back to  XXXX   XXXX  to get the money back from the Gap insurance that we purchased. We filled out the paperwork and were to ld 2 weeks to process and 4 week s to get the money back in the mail. This was back in  XXXX  where we went in person to cancel. We have since called back multiple times as well as visiting the location in which they have assured us it would be completed and we would get phones call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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:
These fraudulent accounts are reporting on my credit report 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 explanation
Consumer complaint received 2023-02-15
Company: Upgrade, Inc.
State: CT
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:
XXXX & XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: SUNTRUST BANKS, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is concerning the disposition of a bank issued IRA with Suntrust Bank. My mother has an IRA with SunTrust Bank, she is currently XXXX and not able to performing banking in person, Im her XXXXXXXX XXXX XXXXt and have a valid power of attorney that has been registered with the cleark of courts in the XXXX of Virginia , XXXX Virginia . On Monday XX/XX/2018, I visited the SunTrust bank in XXXX Virginia, and requested closing of the IRA account, with distribution being made to the account holder. After presenting the POA, the bank informed me that the POA was  not valid for this type of account since it did not specifically specify retirement accounts, and the only way to close the account and receive distribution was to have my mother come to the bank in person, and or have a new POA created indicting that retirement accounts were included in POA. 

As indicated to the bank representative, my mother was physically unable to come to the bank, also was physically unable to execute a new POA, and is not in a financial position to have a new POA created. Also, the bank refused to give requested account information to me, the XXXX. 

Im of the believe that the actions of SunTrust on XX/XX/3018 concerning the request to close an account by use of a valid POA violates the Americans with XXXX Act, and the request by SunTrust to have the customer have a new POA developed to meet their corporate guidelines is also a violation of fair banking practices. After being denied the request to close the account by the POA, the attorney that created the POA was contacted, the attorney indicated the POA was valid and should be accepted for all banking  transactions, and SunTrust should honor the request to close and provide account information.

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 2023-03-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
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:
these settled charge off accounts are still reporting inaccurate on my experian & XXXX & XXXX these XXXX XXXX XXXXXXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # 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 2018-09-14
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome,  which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
student attended a private school to obtain XXXX license. student loans were taken out to pay for her education. but school was shut down during enrollment. when a school shuts down student loans are allowed to be discharged and not made responsible to pay back. the loan servicer for these loans were contacted and paperwork for loan discharge can be filled out and submitted to process this. but a separate statement from " XXXX XXXX '' was a couple months back for an amount of around {$2000.00} and then another one received again but had jumped up to a different amount for about {$5000.00}. So if loans are not in default and are eligible for discharge what is this separate balance? this school was The XXXX XXXX XXXXs College and they shut down this year. The owner did file bankrupt so not sure if this is a way for him to collect money any way he can. But as far as the education attempted here and not completed the financial aid was to pay for that under Title IV funding. I have the NSLDS print out with the amounts and loans owed but are not in default at this moment in time and are eligible for discharge. This is also not the first case that has been heard of the school sending out these notices to previous student trying to collect money in amounts that don't match or add up. with further questioning and investigation they do stop asking for payment. So that is why this seems fishy and an investigation is needed on both the XXXX XXXX that sent out the notice and the former school The XXXX XXXX XXXX College. I have already contacted loan servicer, attorney general and consumer finance bureau and in submitting this i hope there is action taken given all facts and paperwork to support.this balance i should not be repsonsiible for as i have paperwork supporting what i owe and will be discharged and from the school have received nothing to support this supposed debt owed to them personally.

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 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Today XX/XX/18 I received a letter from XXXX XXXX XXXX XXXX   stating thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. On XX/XX/2018, we correctly reported your accounts high credit as {$3900.00}. Also, we have placed a disagreement code with a resolution dispute on your credit file to the major credit reporting agencies etc.There is no name, phone number, or extension to call anybody. I never disputed that the account 's highest credit was {$3900.00}. It shows on all my credit reports in XX/XX/2018 which I am going to upload. I don't understand what is going on with XXXX XXXX XXXX XXXX. First I get a call from a Resolution Specialist XXXX  ( spelling ) leaves me a message. I call her back and tell her she can call me back. She calls me back a few days later and let 's it ring twice and hangs up before I can answer my phone with no message. It appears that no one knows what's going on with my complaint going from customer service, to Account Specialist, to Supervisor who told me on XX/XX/18 when I disputed the {$1900.00} being wrong with XXXX that Capital One would not change all my credit bureau reports and my authorized user 's reports which is exactly what happened, to Resolution Specialist. Same date XX/XX/2018, received XX/XX/18, I receive another letter that XXXX XXXX XXXX XXXX XXXX is  going to change with the credit bureaus from {$1900.00} to {$1700.00}. I appreciate that you have gone through with the credit bureaus and changed amounts, but what you did was put the amount of {$520.00} on my credit reports instead of the {$1700.00}. I don't understand what's going on! So now that you have reported the {$520.00} to all credit bureaus and the card was used after that there was an increase in the amount to {$600.00} and change which is going to show an increase in my balance which is going to again affect my credit score/Fico Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX I contacted you with report number XXXX explaining that Transunion is reporting accounts that do not belong to me and was opened fraudulently using my personal information. The accounts for XXXX XXXX XXXX XXXX XXXX {$1.00} along with XXXX XXXX / XXXX {$320.00} are fraud accounts that have been opened using my personal information without my permission. I am asking again that this information be deleted from 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 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, some people sent me a cashier check for {$290000.00} from XXXX XXXX XXXX and asked me to transfer that money to two accounts as a favor to paid them for web sites and graphic designs stuffs. I did it because they told me that they will hire me to do a web site for their restaurant. I believed them. 
Later that day, my bank account was in negative because the check was void. 
I called Bank of America to stop all the transactions and they told me that I should ask them for the money instead. Obviously they sent me another check with a larger amount but I went to the police and called the bank again to proceed with a claim. A month later the bank told me once again that they cant approve the claim and that I should talk to the people that rob me. Its ridiculous how they just believe that this people will give me my money 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 2018-07-20
Company: North Shore Agency, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from NORTH SHORE AGENCY. I had previously disputed this account. I have never done business with NORTH SHORE AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NORTH SHORE AGENCY.I declare Myself competent. I am not a Corporation or a Public Entity.NORTH SHORE AGENCY must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, NORTH SHORE AGENCY are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might  constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
any additional interest, charges, or other fees placed on this account. I want to request that NORTH SHORE AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-01-29
Company: NCB Management Services Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and spoke with a representative from the collection agency listed on my credit report. L J Ross Associates Inc located in XXXX Michigan.  I provided them with the account number listed on my credit report and they said they couldn't find my account.  I also reached out to the original creditor XXXX XXXX XXXX located in XXXX Michigan and was unsuccessful.  The complaint number was XXXX.  I have attached the page of my credit report showing the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.

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 2017-12-12
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.

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