BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 American Honda Financial add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the Fair Credit Reporting Act American Honda Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to apply for a XXXX streamline with Navy they ran my credit without seeing if I prequalified according XXXX XXXX XXXX.Asking basic questions when I close on my current loan or how many payments I have made. I f all the information was captured I would of waited to file my application. I did not know I had to wait 6 payments or 210 days from prior refinancing because it doesnt say it on Navy Federal website for the consumer. 
Also the person that is taking the applications should know lending guidelines when taking applications because it would of saved me a lot of time with scanning in my income documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I logged on to my XXXX XXXXXXXX XXXX account and noticed that there was a transaction pending for the amount of {$1000.00} from XXXX XXXX. I did not authorize or have not had any dealings with XXXX XXXX. I contacted XXXX XXXX XXXXXXXX and was advised that they charge was pending and that they could not do anything about it. They gave me the number that was linked to and advised that whomever initiated this charge did it with my routing number and account number and my name. I advised XXXX  XXXX XXXX that I did not authorize such and had no idea who XXXX XXXX is. They gave me a contact number to XXXX XXXX. I contacted them only to have to leave a voice mail and get no return call. I logged on to their website and completed a dispute and asked for a return call but have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has a monthly {$10.00} service fee if the balance in the checking account is less than a certain amount. One way to avoid the fee is by having 10 transactions during a month. Transactions include purchases and online bill payments. I had 10 transactions, but they changed the requirement to be only 10 purchases without notifying me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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, TRANSUNION, and XXXX must stop reporting late payments on my student loans. 

XXXX records are not accurate. 

US DEPT OF EDUCATION NATIONAL STUDENT LOAN DATABASE ( NSLDS ) shows my loans were in FORBEARANCE at the time XXXX is reporting late payments. 

US DEPT OF EDUCATION STATES LOANS IN FORBERANCE XXXX STATES LOANS WERE NOT IN FORBEARANCE IS IN WILFULL NON COMPLIANCE WITH THE FCRA IT IS UNLAWFUL FOR XXXX, TRANSUNION, AND XXXX TO KEEP REPORTING INACCURATE 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 2019-10-01
Company: Ghidotti | Berger LLP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have completed my installment as XX/XX/19 however I am still receiving a bill for the full installment I just paid off. I don't understand why the company keep moving the amount of my loan. I'm getting charged for addition finance charges as well as fees foe making payments for less then the installment amount of {$380.00} when the rep on my account set up payment to be paid every other week for a short period of time. I am concern that this loan will never be completed. the information is don't add up. I need a breakdown for the balance reminding on this account. 
I would like to pay it off as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: GA
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:
Account : XXXX XXXX XXXX  # XXXX ; Experian # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.

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 2018-05-22
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft. The following collection account and credit hard inquiries are listed on my Experian, XXXX and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.

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 2017-11-20
Company: EQUIFAX, 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 write to this company last XXXX XXXX, 2017. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Nationstar Mortgage/Mr. Cooper has tarnished my credit by indicating that I have been late on 5-6 payments of over 30-60 days in XXXX. I have proof that Nationstar Mortgage was paid on time from XX/XX/XXXX to XX/XX/XXXX thru AutoPay from XXXX XXXX XXXX.I attached copies of all payments to Nationstar Mortgage from XX/XX/XXXX through XX/XX/XXXX that were made by Auto Pay by XXXX  XXXX XXXX that show the confirmation number that each payment was processed. No payment was tardy. No payment was missed. I have asked Nationstar/Mr. Cooper to correct this for quite some time, but refuse to do so because they state that the payment had increased and since I was never notified by mail or phone, the autopay continued to pay {$690.00} for the payment for XX/XX/XXXX. I then received a letter from Mr. Cooper stating that I owed over a thousand dollars and when I called them to inquire, they advised that the taxes had increased and that the monthly payment would be now in the area of {$820.00}. On XX/XX/XXXX & XX/XX/XXXX I made payments in the amount of {$820.00} until I received a statement indicating that the payments are now {$810.00}. I made a double payment on XX/XX/XXXX and XX/XX/XXXX of {$810.00} like they advised me over the phone to pay for any additional taxes and that I would be then current. I have made monthly payments of {$810.00} to this date. I have called Mr. Cooper/Nationstar countless times and they do not want to help me nor seem to care. In the meantime, I am unable to get a loan because of their incorrect statement that I have been late 5-6 times on my account in XXXX. I have made a report to XXXX, XXXX, XXXX, and to the Consumer Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Public record information inaccurate

Complaint:
During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.

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 2022-11-14
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Account information incorrect

Complaint:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I upgraded to my amex platinum card from Amex greencard when there is a promotion of XXXX points when I spend XXXX $ on the first three months last year. I spent more than 10000 $ on this card. I was charged the annual fee difference ( from green to platinum ) on the following months in 2018. When I was charged for the annual fee of XXXX $ at the end of XX/XX/XXXX, I thought I was in the second year, I could not afford it any more. So I called to raise my concern. I was offered either keeping my card and spend XXXX $ in three months, I will get extra XXXX points, or I downgrade to another great card, " Amex gold rewards card ''. I selected the second option. 

And today, I found that my XXXX membership rewards points were removed from my card because that I closed my account within 12 months. After I talk to customer service and membership rewards, I just become aware of this term and condition. I feel so sad, yes, The confusion regarding how Amex count the calendar year mislead me to downgrade my card, However, the customer service agent did not remind me when I downgrade my card, otherwise, I will reconsider. 

As a customer for 15 years with Amex, I hope Amex could find a solution for my case and credit my XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, property taxes were due. My mortgage servicer failed to pay my property taxes and I received a delinquent property tax bill at the end of XXXX. More penalties, charges and interest will be put on my home if the property tax and the penalty is not paid by the end of the month ( XX/XX/2021 ). 

We have never missed a payment for our mortgage, and escrow has enough funds to cover property tax. I called NewRez / Shellpoint Mortgage on XX/XX/XXXX to make them aware of this situation and to make sure the property tax, in addition to the penalties, is being paid out. I followed up on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my property tax still hasn't been paid. All the customer service representatives told me that there is still no response to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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:
XXXX Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.

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 2019-10-01
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent letters to each of Citi Bank or Citi Card notifying of their client 's financial hardship ; due to emergency illness and change of living lifestyle. I requested forgiveness for her loans. Data was sent via certified mail -- indicated missing a page of POA document. The clients have three separate accounts with Citi Card, the names of the companies are as follows : Macy 's which offered a settlement. I followed their required protocol by resending the POA data and giving them their 3- 5 days processing to upload information with no avail as of XX/XX/2019. It will soon be a month of second a second submission data per them via the fax on XX/XX/2019. The second submission documents were sent by overnight postal mail. The Home Depot sent the same methods ; they give me the mailing for the second POA submitting office but refused the overnight letter, sending it back return to the sender. Sears never responded to my inquiries but received a signature certified mailing. I will be visiting the XXXX postal office to find out what happened to the overnight letters to Macy 's and Sears. Citi Card should be reflect all accounts open in their system. I stated to them it each of the companies received the mailing it must show in their system. This Client is  going on XXXX- still get credit increases.

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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
Expierian is once again not doing their job properly and investigating accounts that are not the consumers.. While other credit reporting agencies have found the accounts not to be accurate Experian sides with the company no matter the dispute or proof.. The account being reported that is not mine is under XXXX/XXXX  I have never had this account and all other agencies have found that I have not.. I also share a name with my father, and over the years his identity has somehow been mixed with 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 2019-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Synchrony Bank/Care Credit in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. 

As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : SYNCB/CARE CREDIT XXXX ; opened : XX/XX/XXXX ; Limit : {$1000.00} ; Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of  character. 

Attached : - Letter sent to Syncb/Care Credit - FTC 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 2018-12-19
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.

Company response to consumer: Closed with explanation