BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I cosigned on a vehicle loan for my boyfriend to purchase a XXXX XXXX in XX/XX/XXXX, financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a XXXX XXXX  and was working part-time as a XXXX XXXX XXXX XXXX. Prior to that work, I worked as a XXXX  at an XXXX XXXX where patrons could have pizza parties. 
My boyfriend at the time worked as a XXXX XXXX at the Honda dealership where the vehicle was purchased. At the time, I was surprised to be able to co-sign for him since I could not even qualify to sign for my own car, because of my brief employment history, lack of credit and savings. In fact, my own car was in my Fathers name because I did not have any credit. The finance person at the Honda dealership assured me that since I was graduating in XX/XX/XXXX, that I was seen as an acceptable person to co-sign for him because I would be getting a full-time job in the near future. 
After breaking up with my boyfriend/childs father, He experienced several employment challenges including working as a XXXX. His payment of the car was sporadic and I received calls from the AHFC on numerous occasions. They informed me that I would be held responsible for the vehicle if he did not make the payments, since I was a co-signer on the loan. I informed them on numerous occasions that I was not going to make payments on the vehicle unless I was given the vehicle. 
When I applied for a loan to purchase a home, the mortgage loan office informed me that the vehicle had gone into collection. When I contacted AHFC, they informed me that they had repossessed the vehicle and sold it for {$7800.00}, almost half of what the vehicle is worth per XXXX XXXX XXXX estimates for Private Party Value leaving a balance {$16000.00} that I would have to pay if my ex-boyfriend does not pay it. 
I have attached a copy of sheet entitled, XXXX XXXX indicating that the actual amount of the charge off is {$25000.00}. Although the balance is reported as {$17000.00} over an above the {$23000.00} identified as the balance. The High credit on the loan was {$29000.00} when the vehicle was purchased in XX/XX/XXXX 
I believe that I was used by my boyfriend, the Honda Dealership and the AHFC. I believe that every trick in the book was used to finance my ex-boyfriends car because he was an employee of the Honda Dealership. AHFC never informed me that they were in possession of the vehicle. They just sold it and plan to bill me for the balance owed plus other charges. 

I am willing to pay for my mistake, but I should have been provided an opportunity to have the vehicle if I am being made to pay for it. AHFC never provided me that opportunity. 

I am going to hire an attorney and file reports with the State of Tennessee and the local District Attorneys office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a loan from XXXX that I did not apply for. However, somehow they deposited {$400.00} into my checking account and sent me a loan agreement that they stated I signed electronically, however, the IP Address doesn't match. They now want to electronically withdraw {$1600.00} in order to pay the loan back in full!! They actually have a 766.56 % annual percentage rate!! Even if I did apply for the loan, how is THAT legal?? I need to find out what I need to do in order to report this company so they do not steal people 's information again. When I contacted the company the asked for my personal information which I did not give. How BIG does this scam really go?? HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 are not my accounts, inquiries or addresses on file. Please remove 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 2023-04-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is reporting bankruptcies on my credit report stating that the data furnisher being the XXXX XXXX XXXX Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and has yet to remove this.

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 2023-07-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Wells Fargo customer for 15 years. I have 44 business accounts and a personal account with them. I also have two XXXX lines of credit and 3 credit cards. I also have my home mortgage with them. Out of the blue today I had an XXXX call and say that they wouldnt cash a check. I called the bank only to be told that every single one of my accounts was being closed due to a business decision by the Loss Prevention team.

I called the Loss Prevention team and they have no answers. I spoke to four different supervisors and they all say thats its outside their control and that I did nothing wrong but that they are making a business decision to close my accounts. I have multiple partners in these companies and decades of automation work put into these accounts. I XXXX almost 2k people. They immediately shut down my lines of credit and credits cards. They tell me I have until XX/XX/XXXX to move every single account. 

Im totally dumbfounded and have no idea how something like this could happen. The amount of work that it is going to take to change all my banking is staggering and it would be a miracle if my team and I can accomplish this by the date they gave me. 

I feel violated and feel like Im being treated like a criminal for being an XXXX. If I had some sort of answers I could walk away and move to another bank but to just randomly do this after 15 years of business with them is shocking. Any suggestions would be greatly appreciated.

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 2019-08-23
Company: Early Warning Services, LLC
State: IL
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 APPLIED FOR A CHECKING ACCOUNT XXXX WITH XXXX AND IT WAS BROUGHT TO MY ATTENTION THAT A INCORRECT CHECKING ACCOUNT RECORD WAS STILL REPORTING FROM XXXX XXXX XXXX IN MY EARLY WARNING CONSUMER REPORT. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX AND ANY ACCOUNT OPENED IN MY NAME WAS FRAUDULENT. I DISPUTED THE INFORMATION AND PROVIDED THE NECESSARY DOCUMENTATION AS A VICTIM OF IDENTITY THEFT. IT WAS THEN BLOCKED PER THE LAWS OF THE FCRA. FOR ONE REASON OR ANOTHER IT WAS RE ADDED! THIS INFORMATION IS INCORRECT AND IS A RESULT OF ME BEING A VICTIM OF IDENTITY THEFT. PLEASE ASSIST. EARLY WARNING IS NOT FOLLOWING THE LAW AND I WOULD LIKE TO LOG THIS COMPLAINT AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello. I recently noticed that my FICO score ( which was over 830 in XXXX ) .. dropped XXXX points, as you can imagine, I assumed someone had infiltrated my personal information. 
You see, My 12 year old son went into XXXX failure in XX/XX/2019 and spent almost 2 months in the hospital and in XX/XX/2019, my mother died and I had to take care of all the details concerning her funeral, vacating her apartment and her burial ... needless to say, an extremely difficult few months. But after researching I found that Kohls dept store had reported a {$48.00} balance after I had paid ( via phone ) what the rep told me was due. As you can see from my 27+ years of using credit responsibly, this Kohls amount of {$48.00} that was not paid was unbeknownst to me at the time of my phone call with the company when I was told my open balance was {$290.00}, which I forthrightly paid. 
I am requesting a total reversal of this unwarranted filing ASAP. Thank you for your consideration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I submitted a dispute to Experian with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.

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 2018-03-10
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello, My mother-in-law received an unsolicited pre-paid debit card from netspend.com. My mother in law is elderly and very upset and concerned about the card arriving unexpectedly in the mail and the potential effect to her credit. After, explaining to her the nature of the solicitation she is now aware of the tactics used by such unscrupulous companies. Netspend.com is practicing in predatory behavior by sending these un-requested cards to individuals, especially the elderly. This behavior can not be allowed. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
A handful of accounts showing up on my credit report that are not mine on XXXX XXXX FICO score and Experian. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXX XXXX  {$9600.00} balance XXXX XXXX  XXXX {$61000.00} balance XXXX XXXX {$260000.00} 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 2019-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, USAA approved a debt management proposal for my account. Since that date, all payments required by the agreement have been made monthly. I received a letter dated XX/XX/XXXX indicating that the account had been assigned to a 3rd-party collection agency. Based on the accepted agreement and payments this assignment is incorrect. The debt management agency has contacted USAA on multiple occasions to have this error corrected, but USAA has not taken any action. USAA is currently reporting a " Charged off '' status on mine and my spouse 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
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:
Am trying to buy a house, I realize I have damaged reports in my credit. 15 u.s.c 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete 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 2018-03-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection placed by XXXX XXXX. All of my XXXX XXXX accounts were filed in bankruptcy. I believe this account to be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: Ad Astra Recovery Services 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:
On XX/XX/2018, I notice that a company named Ad Astra was reporting a collecting debt in the amount of {$1800.00} on my credit reports. It was unlawfully reporting I owed this amount via XXXX XXXX out of XXXX, KS. 

I disputed with each credit reporting bureau that this debt not mine. 

I also wrote to Ad Astra requesting the following in order to properly and lawfully validate this alleged debt : 1. Complete payment history, the requirement of which has been established via XXXX vs.XXXX  and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

3. Letter of sale or assignment from the original creditor to Ad Astra. ( Agreement with XXXX XXXX ), that grants you the authority to collect on this alleged debt. ) 4. Intimate knowledge of the creation of the debt by you, the collection agency Ad Astra never returned a response to my letter, and all credit bureaus reported back that Ad Astra unlawfully verified the debt was mine. 

I sent another dispute to the credit bureau in XX/XX/2018 after getting an alert from my credit monitor that Ad Adstra was still reporting on my credit reports. Again, I stated that the debt was not mine and to remove the account from my credit reports. They returned the dispute that Ad Astra verified the collection account as mine and the account has unlawfully stayed on my credit report. 

Also in XX/XX/2018, I resent my request for validation letter to Ad Adstra, only to receive a 1 page letter from them dated XX/XX/2018 that stated " they reviewed the account file with our client and determined that the facts in reference to this debt are consistent with the information provided by our client. '' There was no documentation as I requested, to support that this debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This does not conform to your restrictive guidelines, so I'm not sure this is the right category. In early XXXX I called Citibank to close a checking account routing # XXXX - acct # XXXX. The agent told me if I keep the acct open and make 3 purchases of $ XXXX within 30 days on my credit card ( XXXX XXXX XXXX  XXXX ), their offer was a {$200.00} bonus. I made the 3 purchases and yesterday I called Citi to verify my charges were " qualifying '' purchases. The agent I spoke with said " no, charges needed to be on my debit card ''. I don't even have a debit card for that checking acct. This agent said no, your purchases don't qualify. The initial agent told me purchases with my credit card would qualify. Unfortunately, I did not get the name of the initial agent.

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 2020-11-24
Company: Experian Information Solutions Inc.
State: MN
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:
Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. Hard inquiries should be removed based on the FCRA violations.

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