BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an account with American Honda Finance account # XXXX opened in XX/XX/2019, I never received my statement for the first month payment. I never got any phone calls to let me know that I missed a payment as well. When they finally called to let me know I made the immediate payment and have made all my payments on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Binance.US account has been locked since XX/XX/2021 I have settled all amounts owed to Binance.US and they still have not unlocked my account it has been suspended due to risk management I would like my account to be unlocked so I may withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Ad Astra Recovery Services Inc
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as  both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2020-06-01
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. 
All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from 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 2020-09-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 i contacted XXXXXXXX XXXX  car loan company and XXXX XXXX XXXXXXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX  XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX  XXXX XXXX i also contacted XXXX, Equifax and XXXX  regarding this matter with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
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:
I filed complaint against Equifax about inquiries I dont recognize, Equifax one minute tells me that their taking off but not, its not actual fact these inquiries I do not recognize, I want these inquiries taking off Im tired of filing a complaint about this Equifax does not do their job. I have filed several complaints, I got one report saying that this inquiries were taking off these inquiries I do not recognize at all. Now please take these inquiries off, please do not send me something thats not corrected, thats contradicting when you send a credit report saying these were taking off I have a report showing they were not taking off, now take these inquiries off my report I did not make any inquiries on my credit report and my name is XXXX XXXX XXXX not XXXX so please do your job, under the fair credit reporting act any thing I dont recognize needs to be taking off my credit report, Im tired of filing these complaints, i will keep filing until these inquiries are taking off my credit report and stop making excuses, I have contacted these companies no one is in the offices people are working remote. So do your job and dispute these and take them off period .and do not add anything to my report only by my express permission, Equifax has failed to do their job, and I want to dispute these inquiries as fraud but do not put, I mean I repeat do not put no fraud alert on my report with asking me or by my permission if you add one without my permission thats fraud in it self now do your job and dispute these and take them off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my third time request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
Original Creditor : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: IN
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 recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from Experian

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 2015-12-31
Company: Collection Management Company
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recieved a letter in XXXX from Penny Mac mortgage co. informing me that my payment was going to increase due to escrow funding. I assumed that the payment increase was gon na be in XXXX. But it was for XXXX i sent my normal mortgage payment of XXXX and they recieved and cashed it on the XXXX of XXXXwell they took my payment and put it in a suspense file because it was XXXX short of the full payment.they say they tried to contact me but could never reach me and on XX/XX/XXXX they placed a 30day late on my credit bueau report.now they have my mailing address but never sent me anything they say they called me but if a number comes up on my phone as spam i dont answer they have my email address but never emailed me to notify me of the situation instead they were real quick to put it on my credit bureau report.I have brought the payment current but they say that they cant take it off my credit report now.I was trying to refinance my house but this mark on my credit has stopped that process thanks to this very rude and aggressive company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus Mortgage sold my loan servicing to XXXX XXXX XXXX on XX/XX/2019. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating they had taken over the servicing of my loan and that I had not made my XXXX or XX/XX/2019 mortgage payments. My loan is currently in their lost mitigation, collections, department! 

I emailed and faxed copies of my cashed checks to XXXX XXXX XXXX, front and backs which shows and proves that Seterus Mortgage received and cashed my XXXX and XX/XX/2019 mortgage payments before they transferred the servicing of my loan to XXXX XXXX  XXXX!! 

XXXX XXXX  XXXX has all of the documentation and has stated that it is up to Seterus Mortgage to decide if the payments were received! I feel its an issue that both these servicing companies need to resolve! I have given them proof that I made those payments and Seterus cashed and received them. This has been going on for almost sixty days and needs to be resolved now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. Experian is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how Experian got the information to report it.

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 2023-06-09
Company: EQUIFAX, 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-21
Company: Experian Information Solutions Inc.
State: NV
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:
please delete all unauthorized hard inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: FL
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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX was paid off. XXXX XXXX is violating my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: MO
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:
My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2023. On XX/XX/XXXX i made a payment to my balance and assumed the payment would go to principal since the payment due date is not until XXXX XXXX however, the payment of {$500.00} was paid directly to all the interest. I see that this is a problem and loans will be very difficult to pay off if payments made on the account will go to interest first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.

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 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Capital One will not verify my bank account to my stock brokerage. I think legally as a customer I should have a right to access my account info through any source necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020, I noticed a charge for {$190.00} from XXXX on my Chase Sapphire Reserve credit card, which is a transaction I did not conduct. I called Chase to dispute the charge and they began their investigation. 

On XX/XX/2020, I received the attached letter from Chase indicating that the summary of their investigation was that this was a legitimate charge by me. As part of the letter, they provided an XXXX receipt as proof of purchase. This receipt has numerous and obvious errors : 1 ) The receipt indicates a Visa card was charged but it is NOT my credit card number. The XXXX receipt clearly shows the last 4-digits of the card charged and it does not match the last 4-digits of my credit card ( listed on page XXXX of the attached letter ). 

2 ) The XXXX receipt is dated XX/XX/2020. The transaction post date on my card is XX/XX/2020. Why would it take over 4 months for a charge to post to my account? 

3 ) The XXXX receipt indicates the ride was taken from XXXX XXXX, California to XXXX XXXX, California. I live in XXXX. In XXXX we were under quarantine due to COVID-19 with strict travel restrictions. I was nowhere near the state of California during this period. 

4 ) I sent a screenshot of my XXXX ride history to Chase showing no rides in the months of XXXX through XXXX I called Chase customer service on XX/XX/2020 and explained all of this. They indicated they could not assist me via phone and to send a secure message via the Chase website to re-dispute the charge. I did so that same day. 

On XX/XX/2020 I received a message from Chase they were researching. 

On XX/XX/2020 I sent a follow-up email to Chase asking for an update on status. 

On XX/XX/2020 I received another email stating they were researching. 

To date, I have received no further responses from Chase, no request for additional information, and no removal of the erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, According to the respond of Capital One on XXXX, Ive contacted XXXX XXXX XXXX XXXX and the answer they gave me is that they still waiting for my fund and dont know what happened with the transfer process. I asked Capital One on XXXX 2020 to send me the evidences about who gave the instruction of returning my money and based on what reasons that made such instruction, which I must use to start a lawsuit against the related party. But Capital One still ignores my request and didnt send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: NJ
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:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. The account was listed as XXXX XXXX. They refuse to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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