BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto lease with Honda Financial Services and on XXXX of 2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to Equifax on XX/XX/18. I received a letter dated XX/XX/18 on XX/XX/18 requesting proof of identity and address. With my dispute I included a copy of my military id which includes my social security number and copy of a social security/veterans XXXX letter with address. In the XX/XX/18 letter they request such proof like a bank statement. Who in their right mind would send a bank statement. A copy of my award letter to me from the veterans administration or social security seems more than reasonable. And a military id with my ssn on it is federal and cant be anything but proof of id. Equifax is undoubtedly attempting to delay the investigation and would attempt to use this request as a way to delay. If i submit the items they will undoubtedly use the 15 days additional info clause. This is a rediculous attempt to subvert the FCRA and its 30 day provision ... to remove the items if not completed provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have spoke to Toyota financial services numerous times about my issue with paying on my loan unfortunately for myself I have lost my job due to corona virus 19 and I have been doing everything in anything that I can do to pay something towards my loan in the beginning I was able to make the payments and I follow through with paying them on time when corona hit unfortunately that changed they gave me two payment extensions and thats about it they took off some fees totaling of {$78.00} my car note is {$550.00} per month and I am unable to pay them and Im getting threatening calls and theyre gon na repossess my car or if I dont pay this big lump some of the car which is {$21000.00} I cant afford that I havent found a job yet the job market is absolutely horrendous I keep calling to try to get an extension or some type a payment plan and theyre not even willing to work with me with that I have been paying {$200.00} every two weeks because thats what Im collecting from unemployment and thats all theyre giving me right now and then I also have to pay 25 % of my rent and then my other bills this is something I never thought I would ever be in my life I am scared I dont wan na lose my car but how do I go find a job when they take my car for me and they want me to go to work I dont know what to do anymore Im stuck at this position where theyre threatening me and Im scared and I dont know what to do I need someone to help me to let these people know that they cant do this its not my fault that I dont have a job its not my fault that this has happened to the world like this is not my fault and Im about to lose what I have for no reason at all Im trying to do the best I can with the money that I barely get from unemployment its not even a lot it covers nothing I get {$400.00} every two weeks thats {$800.00} a month and my car note is XXXX for my rent is XXXX My cell phone bill credit cards electricity gas it goes on and on but I need to stop Toyota financial from re-pulling my vehicle for me trying to stop getting work I need to be able to get work I need my car to go and get work Please and thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2018-07-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened 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 non-monetary relief
Consumer complaint received 2018-09-26
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXXXXXX XXXX XXXX credit card with XXXX XXXX balance in full and on the due date. I never looked at my account since I owed nothing. Apparently this company went ahead and charged me a late fee anyway. When I realized that they had done this I immediately contacted them and disputed the late fee. They gave me credit for the late fee but continued to charge me late fees for not paying the disputed late fee. I contacted them and told them that the balance was paid in full on the due date and I was not paying the false late fees. I also asked that my account be closed. They have continued to harass me via email, mail and phone and I have repeatedly asked that they stop all communication. I try to block the number but they just call from another number or occasionally call from a number that is identified only as unknown. Just yesterday ( XX/XX/18 ) a Mr. XXXX or Mr. XXXX left me a very threatening voicemail at my home. I want this company to stop harassing me over money that I do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE TWICE DISPUTED WITH TRANSUNION, XXXX AND XXXX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM 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 2018-07-30
Company: Monarch Recovery Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, MonarchyRecovery has repeated called my phone. Interrupting and distracting me from work and daily life. The calls are frequent. Every 15 secs I receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Upon receiving my last bill I noticed I was charged 3 times for the payoff quote I requested from freedom mortgage that I still to date have not received. In refinancing my funds allocated XX/XX/.

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 2018-09-26
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Valley National Bank {$200.00} Checking Bonus - Promotion from Valley bank. 
We have open the account and satisfied all requirements for direct deposit and amounts. 
Bank is not crediting the promotion amount of {$200.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've sick for three months so due to that was unable to work for that time frame. 
In XXXX XXXX XXXX decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.

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 2019-10-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: SYNCHRONY FINANCIAL
State: KS
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 customer service

Complaint:
I attempted to contact synchrony bank regarding payment from my optional XXXX insurance. Claim Number XXXX. I was advised on a prior conversation that the creditor paid {$770.00} of the bill but also agreed to waive several charges for program fees, interest, and late fees. However, when I asked for a letter indicating this they refused to provide proof of such which I think they are legally compelled to do both under truth in lending and because I need to provide this information to my tax professional. Further, this account has been referred to a collection agency and I advised Synchrony Bank that while the collection agency cashed the {$770.00} check they are not waiving the rest of the bill so I need the benefits information in writing ( including what synchrony bank has agreed to write off for program fees, interest, and late fees ) so my attorney can get the collection agency to write the charges off and fix my credit. 

Please send me a breakdown of the payments and the write-offs as a response to this complaint.

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 2020-05-25
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:
XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my XXXX and TransUnion credit reports.

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 2023-07-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt I owed was to the original creditor XXXX. In XXXX, I received collection contact call from XXXX, XXXX XXXX XXXX collections agency regarding the debt with XXXX in the amount of {$1900.00}. XXXX offered me a settlement offer in the amount of {$580.00} to be paid in a multiple-part payment arrangement. I agreed to the settlement offer and paid in full all XXXX payments dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first payment was {$100.00} and the other 4 were in the amount of {$120.00}. Also, XXXX agreed in writing not pursue further collection action for this debt. I received documentation on XX/XX/XXXX from XXXX  collection agency confirming that my account with creditor XXXX was satisfied in full by my payment of {$580.00}. And also, that XXXX, the original creditor was notified of this by XXXX. 

On XX/XX/XXXX, I received a different collection letter in the mail from a different collection agency ERC, Enhanced Recovery for the same debt with the same original creditor XXXX. 

On XX/XX/XXXX, I mailed a detailed letter to ERC explaining the above, along with copies of the documentation I received from XXXX  collection agency validating that this debt had been satisfied as of XX/XX/XXXX, with the above mentioned settlement offer. The documentation I presented to ERC supports and clearly validates that this is the exact same account ( verified by the original creditors XXXX account number ) that they are trying to collect for. And furthermore, that I settled on XX/XX/XXXX, with XXXX  XXXX  XXXX XXXX. 

I have exhausted my options in getting this issue resolved on my own with ERC collections agency. Therefore, I ask for assistance from CFB for a fair resolution of the above matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Credit Karma, LLC
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: Investigation took more than 30 days

Complaint:
I put in a dispute on XX/XX/2018 thru credit karma for XXXX and they are still processing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Hyundai Finance on XX/XX/21 to move my due date to the XXXX or XXXX of each month because Im having a medical emergency and Im getting pay every XXXX weeks, I cant pay on time. My regular payment is on XX/XX/21 which I cant pay on those dates. I try to talk to this company and they told me to pay the late fees they can not do anything for me. Im calling them in good faith and also I dont want to pay late fees and to go in my credit report. They did not care, customer service was very rude and basically told me to pay the late fees. I think is unfair and they should work with people that are trying to pay their bills. I called this same company XXXX months ago and they did moved my date. I dont know why they are not doing it now.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of 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