BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company sent me a fake American Express notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for American Express, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I had leased a vehicle from Honda Finance and my lease ended in XX/XX/XXXX. In XX/XX/XXXX, Honda Finance charged me for property tax for the vehicle, despite me no longer owning the vehicle and the property tax being billed after my lease ending in XX/XX/XXXX. I asked for clarification as to why I owed this amount, and they placed a derogatory notice on my credit stating that I was 30 days late, despite me disputing the charge because it was not owed under the terms of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had a joint personal loan with my mom through Tower Loan. The account was always on time until my mom was diagnosed with XXXX XXXX XXXX in 2016. Upon finding out about my moms diagnosis, the branch that I was doing business through persuaded me to refinance the account as an individual account. I didn't receive any additional funds, but they told me it was best since my mom didn't have long to live. Once my mom passed away it was hard for me to make the payments alone, but Tower Loan would not help me with reducing my payments. I was also not informed that the insurance on the account that they force you to signup for when you get a loan would have paid the original account in full when my mom passed away. I am now being garnished. I have paid over {$6500.00} of a {$11000.00} garnishment amount on a {$3900.00} balance that I owed. I have tried numerous times to try to aquire some other form of payments with them due to the fact that I have received a promotion at my job and I am now in a position to make the {$150.00} a month payments. I am being garnished for around {$200.00} to {$300.00} every 2 weeks which makes it hard for me to pay rent, utilities, car note and take care of my son. I feel that if I would not have been persuaded during the time of my mother 's stage XXXX XXXX diagnosis to remove her from the account, the insurance that I had been paying for would have paid this debt. I feel that I was scammed by this business.

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 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 do not have knowlege of this accounts and i want them to be removed from my credit. These are the accounts : 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2018-05-07
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: Account information incorrect

Complaint:
Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Account information incorrect

Complaint:
XXXX is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to XXXX many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you

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 2020-07-02
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I attempted an ATM Withdrawal while in XXXX on Tuesday XX/XX/20 and Wednesday XX/XX/20 from my Cash App Cash Card. 

The ATM 's I attempted to use all provided me with a message stating " Insufficient Funds ''. The balance in my account at the time of withdrawal was {$2000.00}. My ATM withdrawal attempts were for the following amounts ( as stated from my account history ) : {$980.00} {$960.00} {$650.00} {$650.00} {$650.00} After each attempt, I received an email from Cash App listing the attempted withdrawal amount, stating : " This ATM withdrawal was declined for your protection. 
We can not complete that ATM action. Remember, current daily withdrawal limits are {$1000.00}. '' I contacted Cash App Support on XX/XX/20. Their response on XX/XX/20 is that foreign transactions and withdrawals are not supported. 

From their website, https : //cash.app/legal/us/en-us/card-agreement 32.  Transactions in Foreign Currencies. If you withdraw funds or make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in your Card Account will be converted by Visa into U.S. dollars. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. For each foreign currency transaction, the Bank may assess a foreign currency conversion fee and will retain this amount as compensation for its services. Square will not charge you any fees for foreign currency transaction. '' To me, it seems that Cash App is denying the ability to complete my transaction on a product it is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX ( account number XXXXXXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union credit reporting has locked me out of my account. They will not allow me to file a dispute against an incorrect reporting on my file. 

I reached out to their customer service, in an effort to get my file unlocked and they now say they can not find my record in their system. This is the same record that they are incorrectly reporting a collection account.I received this email back from them : Unable To Locate Account - Need More Information Dear Customer, We were unable to match your information to an account. You may try to resubmit - paying close attention to the accuracy of your submission. 

Sincerely, Your TransUnion Support Team

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 2018-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/2017 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 2020-11-06
Company: United Consumer Finance, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To Who It May Concern, To briefly explain the issue, I am financing a car through a company named United Consumer Finance in XXXX,XX/XX/XXXX. For the last couple months both my daughter and I have been constantly harassed by alleged " investigators '' calling in regards to the cars whereabouts and that payments need to be made on it. But when I would ask them how much is owed no one had an answer to give me. My daughter has nothing to do with anything that has to do with the car ( paperwork wise ) but she does help me with the payments. We don't even live in the same state for XXXX sake. 

My daughter was personally harassed on Saturday XX/XX/31 at around XXXX through XXXX by alleged bank workers with bogus badges consistently called her phone and ringing her doorbell in order to get the keys to the car. She has proof of over 10 missed calls from these alleged repo men and they continuously kept ringing her intercom but she wouldnt let them in because she wasn't expecting anyone at that time. Who has any idea who could be at the door at XXXX? My concern is why would they go to her house to get the keys to the car? it is clear that is what they went to do. Isn't that invasion of privacy? One alleged investigator said to me that the title was being resold to someone else. Who does that? How do you renegotiate a title of a car someone else has and is almost paying it off? These repo men did not identify themselves once and then just took the car without giving my daughter notice of where it would be or how much is even owed. There's proof that the car has been being paid, why go through all of this? We're in the middle of a pandemic where some places are offering financial reliefs and here they are repossessing a car that's more than half paid off. Needless to say, a tow truck never came and the guy just took the car keys away from my daughter and drove off no information only thing he said to her was to get legal advice because something seemed strange about it all. I believe he mentioned that because she said she felt harassed. 

I have all the money order stubs of the payments that's been made on that car, not much is owed on it. My concern is not only if this repossession was lawful but on what grounds can they show up to my daughter 's house who lives in a completely different state and has nothing to do with the car without identifying themselves. I thought repo men just take the car and keep it moving thats it. I know the people that called would say they were investigators but was she being stalked? By a bank? That really worries me. 

I would greatly appreciate your help in anyway you can. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
For the last two years, I have been making installment payments on time. On XX/XX/2021, I tried to make a payment over the phone using my debit card, but the phone operator told me that their system to make debit payments wasn't working so we had to try again the next day. The next day, XX/XX/2021, I tried to make a payment again, however, their system was still not working according to the phone operator. 

On XX/XX/2021, I drove to one of their offices located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I tried to make a payment with my debit card and they refused to make the payment because their system was not working. 

Even though I tried to make the payment on 3 different occasions Oportun is imposing a late payment fee of {$15.00} dollars. A new late payment fee was imposed after the next due date came. I have tried to talk to them multiple times, explaining that it was their fault that the system was not taking debit cards at the moment. They refuse to remove the late payment charges and threaten that they will keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX 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 2020-07-30
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:
My identity was stolen in XXXX of XXXX. The identity thief opened many credit cards in my name including a XXXX XXXX XXXX  XXXX  ( as well as an XXXX XXXX XXXX XXXX XXXX  XXXX  ) through XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX  and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. XXXX XXXX  told me they would start an investigation. XXXX XXXX  informed me on XX/XX/XXXX via letter that they found the XXXX XXXX XXXX  XXXX  account to be valid but the others were fraud. I called again and disputed the XXXX XXXX credit card as fraud immediately on XX/XX/XXXX at XXXX with XXXX  ' who said they would send it for re-investigation. XXXX XXXX  sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the XXXX XXXX credit card account with each credit bureau on XX/XX/XXXX. Equifax came back and said that XXXX XXXX  " verified that this account belongs to me ''. It does not. I called XXXX XXXX  again and disputed again. I received a letter dated XX/XX/XXXX from XXXX XXXX  stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the XXXX XXXX XXXX  XXXX  is still being reported as valid to Equifax. I called XXXX XXXX  again in XXXX of XXXX to report that the XXXX XXXX XXXX  XXXX  was still showing up on Equifax and that I noticed that XXXX XXXX  had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX XXXX  XXXX  ( XXXX XXXX  ) I called XXXX  again and asked to have the XXXX XXXX credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus XXXX XXXX  tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through Equifax again, and the conclusion from XXXX XXXX  was " These Inquiries are a factual record of file access. '' which they are clearly not. I called XXXX XXXX one more time in XXXX of XXXX and told them they are still reporting the XXXX XXXX XXXX  XXXX  to Equifax and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Pnc wont let me connect to XXXX. XXXX  chat is down due to Covid and I cant get in touch with an associate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My sister in law received a collection letter for me but was addressed to her. 
I don't even know her home address myself but somehow they tracked her. 
Is this legal? This was humiliating. 

Notice of collection and " special offer '' is dated XX/XX/18 from XXXX XXXX XXXX XXXX They have two XXXX XXXX address : XXXX MI & XXXX XXXX MN Original Creditor : XXXX XXXX XXXX Amount owed : {$1700.00}

Company response to consumer: Closed with explanation