BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have leases a car from honda and payed the debt down to XXXX completely and about 3 months later my credit starts to receive a drastic change because honda has taken the time to charge me an excise tax that they were suppose to pay and apply to my bill. The XXXX $ payment was added 3 months later after the account was closed and settled completely and the car was no longer in my possession and total. 

I have reached out on multiple occasions but they feel as this my fault meanwhile city hall and Massachusetts requires the bill get put on the note of the lease to get payed as a result breaking their own rules and sending the amount into collections after trying to solve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap 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 2017-09-13
Company: NRA Group, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.

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 2019-05-16
Company: JH Portfolio Debt Equities, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to work with XXXX XXXX XXXX to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to XXXX XXXX XXXX multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response

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 2018-01-25
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2019-07-03
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The very first time Columbia Collection Services called me I told them that my income was primarily from SSDI. There were several debts to XXXX XXXX XXXX Hospital, I have never been. Other medical bills I also said weren't mine Prior to a period of time I had regular health insurance that had only a {$20.00} deductible. Columbia collections was rude and hounded me to pay the bills, said " aren't you going to pay these bills. 
I explained " NO, the bills aren't mine '' That didn't matter, they are all pushy and basically manipulate the situation trying to make you look and feel like a low life for not paying them. This started the date they received the debts. 
This entire situation is stressful, they leave up to 2 minute messages, harassing me to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband has been in and out of the hospital for XXXX XXXX and we applied for loss mitigation and on our 2nd payment we were late by one day and our lender said because we didnt make the 2nd payments on time I would have to reapply for loss mitigation. I applied that day and later I recieved confirmation that within 30 days I would get a response which I didnt so I contacted my lender XX/XX/2019 and which was told I was denied. I never got a letter of denial in the mail on why I was denied and loancare will not help me with any other options.

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 2019-05-16
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: Information belongs to someone else

Complaint:
To whom it may concern : On XX/XX/2019 I sent TransUnion a letters regarding errors on my credit report. The letter was about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received a responses on XX/XX/2019 from TransUnion explaining inquires. They did not take the time to investigate the inquiries. This is a violation of the Fair Credit Reporting Act. They are required to conduct an investigation. I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires should be removed from my credit report immediately. I have attached my original letter and TransUnion response. 

Thank you 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 2020-12-22
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent XXXX letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was grossly mislead by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XX/XX/2019 and after two payments totalling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was late 3 months in a row for 6 different loans at NELNET without knowledge of having to start paying. That's 16 late payments that make my credit look really bad. I was currently XXXX and XXXX   XXXX to my XXXX child. The dates of these late payments are XX/XX/2017, XX/XX/2017, XX/XX/2017. I was for sure that the loans were still in forbearance at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Home Loan Center, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I inquired as to auto loan rates on XXXX and after a few days I started receiving credit inquiries on my credit report. I did not apply for an auto loan with XXXX, but they sent out loan requests to creditors. My complaint is against XXXX for unscrupulous business practices and dealings regarding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to work with bank of america to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to bank of america multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response

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 2019-07-03
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: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After sending this collection agency letter after letter they are still trying to collect money on an account that the charity has been written off on. I have no clue why they are still sending me letters requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Bread Financial Holdings, Inc.
State: MS
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 did not authorize these companies to pull my credit information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: EOS Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EOS CCA XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details ast Reported XXXX XXXXXXXX, XXXX Collection Agency EOS CCA Original Creditor XXXX XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date Responsibility Individual Balance {$0.00} High Balance {$290.00} Remarks Account information disputed by consumer, meets FCRA requirements I paid in full and was told by collector they would erase it off of my report. Instead they put the included remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original Creditor : 12 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 2022-08-09
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I take this quite seriously! You are hurting my credit score! As a customer, you are causing me XXXX I am unaware of the purpose of this account. I have never signed any agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early in XX/XX/2018 I requested my annual free credit report from Experian, XXXX and XXXX. I initially received acknowledgements from XXXX and XXXX but Experian has not provided any type of acknowledgement or my report within a reasonable time. These tactics used by the credit bureaus is simply an unacceptable tactic by these agencies to deny individuals access to there reports and / or to collect unnecessary data in there quest to data mine. As you can see from the form my data is clearly visible for the processing of my request. If XXXX and XXXX processed the request obviously that reaffirms that the request was received.

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 2018-01-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have written mutiple times to XXXX XXXX, Transunion, and XXXX  in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general

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 2019-07-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My Father Co-signed onto my student loans with Wells Fargo in XX/XX/XXXX, but was demoted with the IRS soon afterwards. My student loans went into repayment in XX/XX/XXXX and he was unable to assist me paying the loan, and I hadnt found a job out of college yet. We tried to consolidate and get a lower modified payment and they denied us both options siting high income between the both of us. I do not think they took into account we both have bills like vehicles and credit cards to pay off also. Plus my father accumulated legal fees fighting his demotion with the IRS. I believe Wells Fargo is denying us any reasonable payments to the student loans. I currently pay XXXX $ monthly on a XXXX $ a year income ( before taxes ) I have federal student loans also and a auto loan and credit cards. I need some relief on the XXXX before my credit is ruined.

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 2018-01-26
Company: Brelvis Consulting, LLC
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I saw on the internet that there are programs for Student Loan Forgiveness if you were a certain age or had paid several years on the loan and there were other categories. I called the XXXX XXXX XXXX and was told by XXXX XXXX that I may be able to stop payments for six years but I would have to sign a contract and pay {$900.00}. I filled out the contract on XX/XX/XXXX. {$330.00} was taken from my account that day. 
Later that day I noticed an ad that warned against this type of program, it stated that these program are sometimes fraudulent and never pay up front. I called on XX/XX/XXXX, XXXX, XXXX and left a message stating that I wanted to cancel and remain with my current lender XXXX and please return my call. On the XXXX I was able to speak with someone when I called and I requested that the money be replaced back on my credit card. I also sent a certified letter stating the same information. 
On XX/XX/XXXX I received an e-mail stating I need to make another payment, or the account would be turned over to a collection agency. I called and was transferred to a supervisor that said I had to pay the money because XXXX XXXX had spent lots of time with the contract. I have paid {$990.00}. I was told to send my tax return for XXXX but that I probably didn't qualify. When I called the next week I was told that I didn't qualify because there was a difference in the amount of my income I did not know that the RDM had to be added but they kept my money and has provided no services. I have called several times since then and they tell me we will take care of you. The last time I called I asked for a copy of the contract and I was hung up on. I can't understand how they can keep the money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation