BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: AMERICAN HONDA FINANCE CORP
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed by American Honda Finance on XX/XX/2018. I was never given a notice of sale. This violates my consumer rights, California Penal Code 1812.2 ( state car was repossessed ) and XXXX XXXX ( state where I reside ). I updated all contact information with XXXX on XX/XX/2018, well over a month before Honda sold the car. His phone number is ( XXXX ) XXXX. This information can be verified via my account notations. I was never given the option to redeem the vehicle, nor was I afforded the opportunity to attend the auction as no notice was sent to my current address. Suspiciously, after the vehicle was sold, Honda was able to send the deficiency bill to my current address ( on file ) - I will attach a copy of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Experian Information Solutions Inc.
State: TX
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 sent repeated letters to Experian in regards to the compliance of an how an Inquiry has been reported on my credit report. The Inquiry is listed as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they informed me via letter that they do not grant loans or accept credit applications. I then send a demand for immediate removal letter to Experian to remove the inaccurate inquiry. I have sent them several letters demonstrating the REQUISITE LEVEL OF PROOF from XXXX XXXX XXXX that the inquiry listed is reporting inaccurately and non compliant.

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 2018-12-29
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.

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 2017-07-31
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with the document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account 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 explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

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 2018-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute to Experian about a bankruptcy that does not exist. I sent in the proper proof and they said that they verified the bankruptcy with the court. I reached out to the bankruptcy court and they told me that they do not verify bankruptcies with the credit bureaus. I asked him to explain to me how they verified this bankruptcy and they told me that the credit bureau told them that a bankruptcy did exist. I have proof from XXXX that there is no bankruptcy on my reports and also I have a letter from the bankruptcy court saying that they do not verify bankruptcies. They are violating the Fair Credit Reporting Act.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital One has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The Capital One employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with Capital One over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of Capital One, and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED ADJUSTMENT sent me a letter informing me of a debt that I don't owe so I responded saying this is not my debt and do not report to the CRA 's. They sent my a bill and then reported to the CRA 's. I ask them to remove it from the cra 's and send me a copy of their business license to operate in the state of ILLINOIS I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was 40 miles away from my house going to a final inspection of my new house when I received a notification from Chime that {$500.00} was removed from my account via atm. I immediately reported the fraud and had them cut off my debit card. I filed a fraud report since I did not take that money from my account. Later that week after I reported it as fraud I was told by Chime that it was not a fraudulent debit and that it had been done with a pin and there was no failed attempts. But after checking what ATM machine it was withdrawn from and several phone calls to XXXX and the XXXX XXXX XXXX Police department we determined that the address given by Chime in the alert was a bogus address and does not exist. XXXX also confirmed that they do not have an ATM in that area. We resubmitted what we had found to Chime and they still refuse to return my money. They never even asked me any questions or did any investigation as far as we know. I have attached their idea of a questionnaire to " investigate '' my claim not sure how they used it but it is not really much. They never called me or spoke to me on the phone regarding my claim. The attached from is their idea of information used in them determining if my claim was valid. There is a bunch of emails from an automated system if you want those.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my most recent TransUnion credit report I noticed multiple discrepancies. 

XXXX XXXX XXXX XXXX was added to my credit profile in XXXX of 2020, XXXX of 2020, XXXX of 2020, and now has has been reinserted under a new name XXXX XXXX XXXX  XXXX. Even though the account has been sold to put folio recovery and associates.This is a violation of FCRA rules. 

Please see attachment ; XXXX XXXX XXXX XXXX what's remove or deleted for reporting inaccurate unverifiable account. However the company has reinserted the same account under the new name XXXX XXXX XXXX  XXXX. However, the company 's name and address is still associated with XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX Virginia, XXXX. This information is misleading and fraudulent a violation of sec 809b of FDCPA.

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 2018-06-11
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:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXXr Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, 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 2018-12-29
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
RE : Synchrony Financial Pay Pal Mastercard account # XXXX Dear CFPB and Synchrony Bank/Paypal Mastercard : On XX/XX/XXXX I applied for a paypal extras mastercard and was approved for {$300.00} dollar credit line, the inquiry was pulled from XXXX XXXX. On XX/XX/XXXX I had another hard inquiry from Synchrony Financial, the inquiry listed as Synchrony XXXX XXXX XXXX, XXXX, GA XXXX. I called XXXX XXXX and the number listed on my credit report to report the additional inquiry. 

On XX/XX/XXXX I called Paypal Mastercard to inform them I had never received the paypals extra mastercard, upon speaking with the individual from the fraud dept she had put a restriction on my account, I then spoke with another individual who proceeded with a phone call back verification number that I received, however, the representative said they where unable to proceed with verification because of my internet/phone, and said I will be receiving a letter with the instructions on how to proceed with identity verifications. I called XX/XX/XXXX and spoke with XXXX phone number XXXX to obtain more information on what had occurred, and was told to wait 7-10 days until I received the letter with the credit card.

At this time, I have written this complaint because I believe either the credit agency XXXX  and XXXX failed to provide accurate information to Synchrony to verify my identity. The issue remains, I had never received my card and they placed restrictions on my account, and I have still not received an adequate explanation from Synchrony on what had transpired between my application and verifications.

I am asking the CFPB to send my complaint to Synchrony Bank/ Financial and XXXX  and XXXX  as these are the credit agencies responsible for failing to maintain accurate information. 


Sincerely, 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 2021-07-21
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
HELLO MY NAME IS XXXX XXXX AND I HAVE A CURRENT LOAN WITH SANTANDER AND THEY HAVE WRONGFULLY REPORTED TO ALL THREE CREDIT BUREAUS THAT I HAVE BEEN LATE 5 TIMES AND THAT IS WRONG I HAVE ALL MY BANK STATEMENTS TO SHOW OTHERWISE. ALSO THE LAST ONE POSTED ON XXXX OF THIS YEAR AND HOW COULD I BE THIRTY DAYS LATE WHEN I MADE PAYMENT ON THE XXXX OF XXXX AND BEFORE XX/XX/XXXX THEY HAD ALREADY POSTED THAT I WAS LATE IN THE MONTH OF XXXX BEFORE XXXX WAS EVEN OVER. MY CREDIT SCORE OBVIOUSLY TOOK ANOTHER HIT FOR A CURRENT LATE PAYMENT AND ALSO SANTANDER WAS SUED AND THE BORROWERS PREVAILED. I WANT MY CREDIT REPORT TO REFLECT MY PAYMENT HISTORY AS PAID AS AGREED WITH NO LATE PAYMENTS BECAUSE I WAS NEVER LATE. I THANK YOU FOR GIVING THIS MATTER YOUR IMMEDIATE ATTENTION AS WELL AS FOLLOWING UP SO THAT THEY CAN MAKE THE NECESSARY CORRECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section. 

Unfortunately, XXXX  has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX  to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM A VICTIM OF IDENITY THEDT MY FEDERAL TRADE COMMISSIION IDENITY THEFT REPORT NO # XXXX I DID NOT APPLY FOR A KOHLS STORE CREDIT CARD ON XX/XX/2020 THIS IS FRAUDULENT ACTIVITY PART OF MY IDENITY THEFT. 

I TRIED TO GET THE FRAUD DEPT NUMBER I WAS DISCONNECTED TWICE. 

KHOILS/CAPONE IS FRAUDULENT IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am writing this to say that I should be able to link my bank account to XXXX. XXXX bas been helping me out for the last three years, now you guys are blocking me from being able to link my account to their website. This is absurd, they took my money and now I cant get it back because you guys arent allowing me to link my bank account to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: PA
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:
I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from XXXX. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL XXXX CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT XXXX AND EXPERIAN but my credit score ahs n't been affected at all with Experian. My efforts to dispute this negative mark with XXXX and Experian has been futile.

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 2018-12-29
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: MS
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 XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

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 2020-05-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
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:
I leased a XXXX XXXX XXXX from Toyota Motor Credit Corp on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called Toyota Motor Credit and they confirmed that all payments were made on time. XXXX is the specific credit bureau that I am having problems with. I did not get a copy of Toyota 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my XXXX  account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!

Company response to consumer: Closed with explanation