BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have submitted several requests to transunion credit bureau that the following inquiries were not authorized by me. They did nothing and the inquiries still remain. I did not authorize these inquiries and would like them removed XXXX - XX/XX/XXXX 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/XXXX - XX/XX/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/XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - 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 2018-04-05
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
HONDA FINANCIAL SERVICES XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX Secured loan XX/XX/XXXX Made a payment of {$400.00}, more than due. Had not received a booklet for payment and did not want to be late. Sent it to their office as per my paper work. 
XX/XX/XXXX Made another payment of {$400.00}. 
XX/XX/XXXX Got a late payment notice, called and spoke to XXXX who said I paid too soon and the payment did not calculate into the billing cycle. I asked if I can have the date due changed to fit my schedule of paying bills. She told me that I have a grace period and that late fees are stipulated after 30 days. 
Therefore, over paid each month, paying my bills on the XXXX of the month. 
XX/XX/XXXX Called a XXXX at at XXXX Called Honda Financial Services to make a final bill but my totals were different than theirs. Asked for a spread sheet or accounting of each interest charge, receivables, and charges to verify with mine. Could not help me but sent a running total that was not clear. 
XX/XX/XXXX Received a " Running Account '' that was not clear and easy to read. 
XX/XX/XXXX I called again and was told by XXXX that I had many late fees and that they will not send me a sheet or accounting. Asked to speak to manager, was told he was not available and I would be sent to his voice mail to leave a message. Asked her, to give him the message and transfer me. 
XX/XX/XXXX Called back and spoke to XXXX, she said she would take the message and also transfer me to voice mail of. Left him a voice mail with all my information and phone number with a XXXX XXXX, manager. 
XX/XX/XXXX Honda Financial Services never phoned me back Dispute : I received NO statement or billing stating that I had any late fees. I made regular over payments, never late as per XXXX to finish off loan sooner than the 5 year plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
Thanks for help, the thing is i had this credit card from " XXXX XXXX XXXX '' and i paid off and asked to close it long time ago and it was disappeared from my credit report long time ago, from about one week ago i found my credit score went down because the credit card company reported that this card paid full but in late then i found the credit card appeared to be open which is totally odd so i am asking for help please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: WELLS FARGO & COMPANY
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 had a loan with Wells Fargo back in XXXX on a vehicle. This is now XXXX and when I try to get the title on the vehicle it say that Wells Fargo name is still on the title. Wells Fargo state they sold my account to another company. The other company is not listed and it is still showing Wells Fargo which mean the company who they sold my account to has nothing to do with the title. I only want Wells Fargo to go ahead and release the title. It has been 15 years and I need to get rid of this car.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations

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 2023-10-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo sent me an email notifying me that they closed my bank account and that they will not give me a reason for doing so. 

Ive been a Wells Fargo customer since 2003. This is unfair, I need my bank account open. Please help. Dont let them close it Routing number XXXX Bank account number 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 2021-04-28
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX Called stating I am owe an Admin fee to an apartment complex. I stated I never lived there. He said well the still have an admin fee you owe. I said no, he started going back and forth with me, stating it's going to be on my credit, I better pay it. I said do not call anymore and he was harassing me. I hung up. Another person called right back same number. I said didn't I tell you not to call me, she said haven't spoken to you. I stated to her, do not call me again. I hung up, then blocked the number. 
XX/XX/XXXX Even though they are blocked, they have called 4 times and left harassed messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
Someone opened an account without my permission in Illinois. I have never had an XXXX Illinois account. I live in Missouri and have had XXXX MO for over 12 years. This information is only reporting on my Experian report. Its fraudulent and I want it removed from my report. Its now with a collection agency and There is no contract which also does not give them the right to attempt to collect

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.

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 2021-08-09
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data has been reporting incorrect information on my credit to all 3 credit bureaus since XX/XX/2020. The balance, date and last activity date is also being reported incorrectly on all three ; XXXX, XXXX  and XXXX. This file needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TEK-COLLECT, INC has an account on my credit report still reporting as opened when it was discharged in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX I opened my online banking to see that XXXX deposits become {$67000.00} that means part of my savings has returned to my account!!! so I decided to save the saving because I lost trust of the bank and made wire transfer to the same account in XXXX ( XXXX XXXX XXXX attached transaction {$60000.00} on XXXX XX/XX/2023 ) and I also made internal transfer to my real Estate Company ( his account also in Bank of America Attached transaction {$1500.00} on XXXX XX/XX/2023 ) now my checking account is {$6900.00} after making the two transactions, so the shortage amount in my deposits now is {$180000.00}, please keep in mind that all my transactions after selling the house was to my niece account XXXX XXXX XXXX  in XXXX and only {$1500.00} to the real Estate company bank Of America, I am cleared of any other suspicious movements in my account in this complain and my last two complains No. XXXX and No. XXXX please treat this complain as priority and I am waiting for investigation results.

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 2021-04-28
Company: Early Warning Services, LLC
State: MA
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:
Early warning Systems continues to delay correcting the information that was created as a result of a fraud perpetuated on me, as well as Identity Theft that was from stolen information as a result of malware ... trying to " unlock '' my XXXX XXXX XXXX XXXX account which is being prevented bt Early warning Systems faulty reporting and inordinate delays, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Order was placed to a XXXX company called XXXX XXXX XXXX XXXX  XXXX on XX/XX/2020 Amount of purchase was {$3000.00} American Transaction was conducted under XXXX XXXX XXXX program Credit card used was a double cash back citi bank credit card. 
XXXX  XXXX guarantee shipment 50 days from day of purchase. 
The manufacture promised 60 days. 
Manufacture provided false shipping information to prolong process. 
Both XXXX and citi bank are claiming they are waiting on responses from each other for refund. 
As of XXXX still do not have any valid shipping info of product or refund.

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
As part of my Bank of America Premium Rewards Credit card 's core benefits, I am eligible to receive {$100.00} in Airline Incidental Statement Credits annually for qualifying purchases. The first time I made a qualifying airline incidental purchase, the credit did not automatically post. I had to make 3 calls over a period of more than 1 month in order to get the credit posted. This is now the second time where a credit has not posted. I made an Airline Incidental purchase on XX/XX/21 and waited the " 2-3 weeks from qualifying for the statement credit to post to your account ''. On XX/XX/XXXX, I contacted Bank of America. A case was created and was told it would be resolved within 10 business days. I contacted Bank of America again on the XX/XX/XXXX requesting an update and was told it was still being researched. On the XX/XX/XXXX I requested a supervisor contact me and was told one would call me shortly -- no supervisor called me. On XX/XX/XXXX I contacted Bank of America again and have still not had a resolution. This should be an automated process and I am completely baffled as to why I need to contact the bank numerous times to receive a published benefit that I pay an annual fee to receive.

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 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Check was delivered to Chase Auto to payoff an auto on XX/XX/2020. As of XX/XX/2020 this check has not be processed. Have confirmed with Chase Auto that the check was received ( an have proof of delivery of receipt ). 

Have called multiple times and each time get a different answer as far as when the payment will be applied and the title and overpayment amount will be sent. This payment was send overnight delivery and according to the first customer service rep would be processed in 1-3 days. Then was told 7-10 days. Then within 10 days. This is the 13th business day and still nothing. 

I called to escalate the issues with Chase Bank. Was told there was no escalation options. Each time I am told there group is understaffed and behind on processing payoffs. Each time they say how sorry they are but that they can't do anything to speed this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Pacific Collections
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a notification of debt letter from Pacific Collection Group stating that {$960.00} in debt has been assigned for collections by their agency. The original creditor was not named in the letter and I have absolutely NO knowledge of debt in that amount whatsoever, and I am aware of all of my debts both up to date and in collections, this is not one of them. I followed the federally mandated 15 U.S. Code 1692g, which allows 30 days for a person to dispute such a letter and requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I sent this typed & signed request for verification on XX/XX/XXXX back to the agency and never heard back from them. In XX/XX/XXXX the supposed debt appeared on my credit report, now with the name XXXX XXXX XXXX ; same debt amount and same account number as the previously stated notification letter from Pacific Collections. I filed a dispute via XX/XX/XXXX and somehow the dispute was decided in the agencies favor within only 2 days ; unchanged. This company, by law, is required to send verification of this debt if requested by accusedin writing, however such verification was NOT sent, And still has not been. I called and left them voicemails requesting more information and have not received any phones calls or emails or mail. 
The address as stated on the original letter notifying me of this collections account was : Pacific Collection Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX And now as printed on my credit report the name and address have changed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I do not owe this debt ; that I know. The law gives me the right to know what this agency thinks I owe, why, when, from who and all other relevant details in order for me to deal with it. The law so far is being broken by this agency. After the request letter I sent, the voicemails I left and the dispute I filed with XX/XX/XXXX I dont know what else to do about the injustice of this collection account.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-21
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RENT RECOVERY SOLUTIONS OPENED A COLLECTION ACCOUNT ON XXXX-15 FOR {$320.00}. THIS IS REPORTING TO THE CREDIT BUREAUS. THE BALANCE IS {$0.00} BECAUSE MY SECURITY DEPOSIT COVERED THE AMOUNT STILL OWING UPON MOVE-OUT FROM XXXX XXXX APARTMENTS. THE INFORMATION BEING REPORTED IS THEREFORE INACCURATE AND SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2017-12-20
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX Navient contacted not only my employer XXXX XXXX, but contacted an individual store regarding collecting my debt. This is highly embarrassing and they were abusive to the store associate they got in contact with. They shared my personal information regarding debt owed with my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: DriveTime
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Have filed complaint to XXXX XXXX as well. Had a vehicle bought back from Drivetime because of some rust and mechanical issues. Didn't properly advise me of my options when turning vehicle back in. Said I would not get the 6 months of payments I had paired into vehicle because it was the time I had driven set vehicle I didn't sell myself a XXXX car they did. Because I had my contract reminded they were able to charge me a higher interest rate on my new vehicle. So Im not getting the 6 months of payments recorded to my credit score and am out 6 months of payments on a vehicle they shouldn't have sold me to begin with. How is any of this fair. I have documentation were they say I signed which I acknowledge is my signature to not have the 6 months of payments to reflect on my credit score but no where does it say anything about my 6 months of payments not being reinstated to 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