BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX XX/XX/2020, I purchased a new XXXX  XXXX  XXXX  and financed through Honda Financial Service by an older male dealer who did the final transaction. Within the week I noticed that my loan had an additional charge of {$1700.00} for Preferred Protection Plan ( PPP ) that I did not ask for. I went back to XXXX XXXX  and requested that the additional charge be removed. This deceitful man told me that I can pay now or later for repairs. I adamantly requested for the additional charge to be removed from my loan. He had me fill out a Cancellation Request Form. I made a copy. A couple of months later I still see the fraudulent charge still added to my loan. I called Honda customer service and was told that they will get back to me as soon as possible. That was a couple of months ago and I am still paying interests for the loan with the additional charge. I called Honda Financial Service and they said that they cant help me from their end. From XXXX to XXXX is a long time for them not removing the extra change. Please, I request assistance to make this right. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Account XXXX XXXX XXXX Account # 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.

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 2017-01-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
navient would contact me and my parents repeatedly trying to almost force us to pay on loans when i am not in a financial place where that is not possible i am barley able to keep head above water. my education has not helped me in the pursuit of financial gain at all and it is hard to keep optimistic when you are be hounded for the money that was given to help advance my career and therefore my wallet ... and the manner to which navient attempts to collect is almost mob like so many calls and does not matter what is noted in account the calls and the their way of talking to customers is ridiculous and unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: TN
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 Account, XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Wells Fargo Auto the loan was {$17000.00} with a daily fee simple loan at 3.24 % interest rate.. i have only one late payment since the loan started XXXX XXXX  14 I At the present time the loan is {$7700.00} i have notice over time that due to the type of interest on loan the interest payment has jumped a few times Last week the interest jumped up over {$13.00} On the payment making it {$35.00} so as I'm am paying down the loan the interest is going up.. i called wells fargo and went into battle with customer service, she screamed at me i don't understand the type of loan i took out and if i pay at different times it incurs higher intrest So i did caluculations of the loan XXXX x 3.24 % interest over 365 days = XXXXcents x30days = XXXX  not {$35.00} I have now gone to another bank to refinance theloan to pay off Wells Fargo.. they sent me doucuments they printed themselves and at XXXX i should be paying {$18.00} in interest please beware of Wells Fargo

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 2021-04-07
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have to wrong names an addresses an were I work reporting to my credit file please remove

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 2023-04-19
Company: Experian Information Solutions Inc.
State: WA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I leased a car for 36 months from American Honda Finance in XXXX. 
All of the payments were made on time, and the vehicle was reported in satisfactory condition upon return, with no excess mileage, wear or damage.. 
The vehicle was returned at lease end in XXXX with a zero balance due. 
American Honda Finance later claimed in my credit report that I had an outstanding balance and the account # XXXX had been charged-off in XX/XX/XXXX. 
American Honda Finance again for the second time, claimed a second repetitive charge-off for the same amount on the same account in XXXX of XXXX, even though they previously claimed the account was closed and charged-off in XXXX of XXXX. I believe a new identical charge-off began when a new account was opened with Honda Financial Services in XXXX. 
I believe Honda Financial Services and American Honda Finance has acted maliciously, which has lowered my credit score continuously and repetitively. 
How can a closed account be closed and charged-off twice? A year and a half between charge-offs for the same amount on the same account for the same vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2022-07-16
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from PennCredit Corp ( reference XXXX ) stating that I owed them {$570.00} for XXXX XXXX ( XXXX ). I do not and have never had an account or dealings with XXXX XXXX. I believe this is a fraudulent attempt to collect money I do not owe. I am requesting that PennCredit Corp stop sending me letters and stop this fraudulent attempt to get money from me. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2021-08-28
Company: FIRST NATIONAL BANK OF OMAHA
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: Investigation took more than 30 days

Complaint:
yes, I have reported the fraud transaction over the phone and I have also called over the phone the second time to get an update. the person just told me just to ignore the transaction and just wait until it's reviewed. Im getting no updates about my fraud case and i still see it posted on my account XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$990.00} XX/XX/2021 XXXX XXXXXXXX IN DISPUTE {$370.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$1500.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I'm starting to feel worry because i don't want to be response for 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 2016-10-31
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation