BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: AMERICAN HONDA FINANCE CORP
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 turned in a Leased Honda XXXX  early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another Honda. American Honda Finance ( AHF ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another Honda ). None of the {$900.00} was related to monthly payments. I received a notification that my credit scoXXXX had dropped XXXX points because AHF reported a 90 day past due status on a payment. My position is that AHF incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to AHF also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. AHF refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with AHF on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that Honda tacked on because I didn't lease or purchase another Honda. AHF refused to reclassify their reporting, and now I have an XXXX credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

BK OF AMER, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired on XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, Inquired on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 at XXXX I had a alert on my phone about my account. I check my account on it inform me that it was close. On XX/XX/2018 I got and text from bank of America about a identification code. Call the bank asked them why did send me that code. The representative mention that someone probably trying to hack into my account.i asked will the bank inform me about any fraud, the answer was yes. They close my account what out telling me why they close my account.

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 2020-05-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with Chase in XX/XX/2018 under a promotion where I received a bonus for setting up an ACH. I provided the bank with a promo card that permitted me to maintain a fee-free account as long as I maintained the direct deposit. 

There was no problem for the first few months, but in XXXX I began to receive a $ 12 monthly service fee. I didn't notice the fee because I set up the account as a side account which I would have a small part of my paycheck go into. The first year shows only ACH deposits. Upon learning about the fees, I called Chase and was told that they could only reverse 4 monthly fee charges on the phone and that I would have to go into a branch to get the others reversed. Additionally, I was told that I was charged because I didn't have {$1500.00} in my account. When I noted that I was not charged for 4 months initially even though I didn't have a {$1500.00} balance, there was no explanation. I was told it would not be a problem to reverse, I just had to go into the nearest branch. 

The representative also suggested that I put money into the account to be on the safe side. I attempted to do a transfer from my XXXX XXXX bank account, but experienced technical issues on the Chase side. After calling a few times, I was finally able to get someone at Chase to fix the technical issue and I was able to do an electronic transfer. 

When I went into the XXXX, VA Chase branch, the manager laughed when I told him the story and he told me that he couldn't reverse the charges and the customer rep probably knew that and just wanted to get me " off the phone ''. He said he would not be able to assist me with the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2018 Capital One Bank falsely reported negative inaccurate account information to Credit Bureau agencies adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
Back in XX/XX/2018I had issues with my bank and proving my identity. I went to Identity theft hotline and reported the problem how someone else had my social security number and was getting credit cards, car loans, and retail cards under my social security. Once I received the recovery plan one of the steps was getting my credit report. I went on Equifax and created an account to receive my credit report and I was asked about 5-7 security questions that were not in any way related to myself. I ended up getting locked out of Equifax and now I'm having trouble trying to get my credit report for the recovery plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my debit card was lost on XX/XX/XXXX unauthorized charges of {$140.00} {$220.00} {$43.00} {$35.00} {$240.00} {$380.00} {$8.00} {$4.00} {$17.00} {$140.00} {$470.00} {$400.00} were all made in the span of the XXXX and XXXX, I noticed the unauthorized charges via mu online banking on or around the XX/XX/XXXX and immediately called wells fargo and disputed and reported it. The representative did not notate the account or claim correctly leading me to have to follow up several times and have more terrible notation occur which complicated what should have been a simple reversal they are for places i have never shopped or heard of. the merchants i had heard of i was able to contact and have the transaction stopped before items were shipped. 
some were online some where swiped NONE of which included my Pin #. 

after several hours of speaking with resolution specialists who were also very rude, Wells fargo was beyond unprofessional their handling of the investigation and simply stated they would not cover the fraudulent transactions.

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 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money 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 2019-04-03
Company: Consumer Portfolio Services, Inc.
State: NY
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:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XX/XX/2019 - I purchased a car from XXXX XXXX XXXX NC. 
Even though I did not want to take the car loan as their rates were high, I was forced by the dealer to take the car loan. The dealer refused to provide me with the purchase contract to enable my credit union to issue the check for the loan amount. 
I was misled by the dealer that we could directly pay the loan within 30 days without prepayment penalty or interest. 
The dealer issued the loan through PNC Bank. 

XX/XX/2019 - After receiving the loan document, I went to the PNC Bank to payoff the loan. Instead of the loan amount of {$23000.00}, I had to pay {$24000.00}. The remainder being interest or fees. 

I would have to wait for 3 weeks to get the title. 

I believe PNC Bank incentivizes car dealers to indulge in this sort of high-pressure sales tactics instead of acting in the best interest of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is not honoring FCRA 605B. I submitted an identity theft packet requesting a block to Transunion via certified mail on XXXX-2017. The item was delivered on XXXX XXXX, 2017 at XXXX XXXX. Instead of blocking items, Transunion opened a 30 day investigation which was scheduled to complete on X/X/2017. FCRA 605B requires four items in order to reauire a block of information. 1. Appropriate proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the information that is asserted to have resulted from identity theft, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.
FCRA 603 ( q ) ( 4 ) defines an identity theft report as a a report that : " ( A ) that alleges an identity  theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or  such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I have included all of the above in my identity theft packet sent to Transunion and Transunion failed to block the items. Although most items were eventually resolved through the 30 day investigation, I have yet to have one fraudulent collections come back as " verified. " although the CRA is required to block since I provided all the information required. This is not my account. I did not open the account hence why I included it in the identity theft packet. If my account was verified, its because my correct personal information was used to open the account. Please correct this issue and block XXXX 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 non-monetary relief
Consumer complaint received 2019-03-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Filed a claim with companies Loss Drafts Department. After 18 month we did not receive payment. 

XX/XX/XXXX Faxed requested paperwork to company ( copy of endorsed check, copy of invoice, letter requesting payment ) Company advised us to check back in 24 to 48 hours to see if claim is processed. XX/XX/XXXX Called to follow up, company informed us there was a mistake in our paperwork and it needed to be corrected. Company never bothered to inform us there was a mistake and just sat on the paperwork for days. Spoke with a supervisor who told us we would have a check " in our hands in 2 days ''.

We corrected the mistake. Tried to upload papers to company. It would not upload.Faxed the corrected paperwork to the company. Also overnighted paperwork to company.

XX/XX/XXXX Did not receive a check. Called company, was told it would take 6 business days ( from XX/XX/XXXX ) and we would have our check.

XX/XX/XXXX Still no check. Called company was told it was sent regular mail and would take 6 to 10 business days. Then they mentioned the amount of the check which was not the amount we were owed.

XX/XX/XXXX  Still no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : Hurricane Irma hit Florida in XX/XX/XXXX, and Capital One was offering Hurricane Relief to its customers following the hurricane. I lived in Florida, and contacted Capital One to confirm. Capital One told that as long as I made a minimal payment ( less than the actual 'minimum payment due ' ) on my credit card each month, they would waive late fees.

I pulled my credit report recently, and Capital One reported that I made late payments on my account during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX.

I did make payments on my account each month, which is documented on the attached statements. These payments were less than the 'minimum amount due ' in accordance with the Hurricane Relief they were offering.

Capital One reported incorrect information to the credit reporting agencies, which has now affected my credit score and caused me harm.

If Capital One offered to waive late fees and accepted lower payments during their Hurricane Relief, they should not have reported incorrect and negative information to the credit reporting agencies.

I have been a loyal customer to Capital One, and always made my other payments in full and on time.

V/r, XXXX XXXX XXXX, Esquire

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne 38 every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted synchrony bank to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XXXX XXXX. They also decrease approved credit limit.

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 2018-03-12
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly. 

XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have filed several disputes with XXXX dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX has admitted that they do not have any information to validate that I am truly liable to a debt, yet XXXX  says they have it and will not send to validate the debt.

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