BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
( The following is my written complaint to Honda Financial Services ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  Complaint Department Honda Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to dispute the following information in my file. Your agency claimed that I missed a payment this spring, I made up the payment the very next month paying {$500.00} dollars and the subsequent month paying XXXX. Adding both months together this comes out to XXXX and surpases the XXXX payment missed the month prior. You have overcharged me XXXX. Your agency also turned me into the Credit Bureau and lowered my credit score. 

My next dispute, I cancelled my XXXX XXXX and I was told only XXXX was be returned. Neither was it applied to the month of XX/XX/XXXX where is should have for XXXX but neither was it returned to me. However, instead when I called your agency I was told it was kept as a security deposit. I asked why two years into my lease was I now being charged with a security deposit? After waiting 15 minutes, the representative told me it was in case damages where found on the car when it is returned. 

I said I would buy the car, then the representative said I wouldnt qualify to refinance the car. At the time, I didnt know why. I went to the Honda dealership and my payoff had increased from XXXX to {$17000.00}. If I made all my payments and promptly made-up the missed payment how does the car payoff go up? 

Needless to say, I was upset. The Honda salesperson followed me out and told me they were sorry and that Honda Financial Services turned me into the credit bureau, they felt that I deserved to know why my credit rating had dropped! 

( Image of the transaction history ) My payments are up to date. Ive always had good intentions towards my payments, one time  making a XXXX payment paying off 6 months. Below is a screenshot of the transaction history for the month, after I missed the payment it supports that I rectified the situation immediately. Please investigate this matter and delete the claim to the credit bureau as soon as possible. 

Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- End of Letter to Honda Financial Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dates : provided on attached documents Honda Financial Services is NOT allowing me to log on or I'd provide the most recent itemized list of the last 6 months so that it can be documents the fee 's went up for {$7.00} to {$12.00}, I assume for handling my account? There are no specifics provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Since XX/XX/XXXX, I have made a payment every single month. I have spoken with a representative and they advised me to call in the next month to make another payment as a payment plan was not available. Even though that is the conditions they set with me, they call and harass me and my family every single month. Last night, they ( a guy named XXXX ) left a message at my work that everyone heard. This is ridiculous and needs to stop. I don't have a lot of money, but I make payments every month. This kind of harassment should be illegal and make me beyond angry. I will try find another option this year for my student loan repayment. This company crushes your soul and isn't satisfied until you're destitute, and your family has nothing. I am convinced they would take the clothes off your back if given the chance. Stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020. I C SYSTEM added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-11-15
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because Equifax, XXXX, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The sum of my monthly transactions, is lower than the sum indicated on my XX/XX/XXXX statement, by {$2.00}. There is NO accounting for this discrepancy. I am not disputing ANY of the monthly charges. 
The credit card company is and has been denying the sum is different. 
I have been on the phone, three times -- mostly on hold -- totaling over 2 hours, while a 5th person, now, reviews my statement. Her name is XXXX, senior account supervisor, agent ID # XXXX, and she also is denying there is an error. 
I have calculated the total 8 times, my daughter has verified my calculation is correct, as has my XXXX  spreadsheet. 
The statement is incorrect, I have it in black and white. I don't really care about the {$2.00}. 
What I care about is the statement being wrong, and the company 's denial. 
If this is happening with other customers, the company stands to make tens of millions of dollars of illicit profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to  credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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 recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told by my college XXXX XXXX XXXX   that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: 1st Franklin Financial Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Sent disputed letters to trans union asking to verified and valid accounts that dont belong to me and is a product of identity theft I asked for contracts and application with my sign signature to verify my identity I have not received either all I received was a letter saying the account have been verified as accurate and a couple of bills that dont 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 2021-07-15
Company: Global Lending Services LLC
State: AL
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:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX {$1200.00}

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 2020-09-23
Company: Navient Solutions, LLC.
State: NC
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 have my student loans with Navient and every-time I turned in a loan forgiveness form signed by my school administrator because I work in a XXXX XXXX  XXXX  it was rejected, I should have had my loans paid off by now because i have been XXXX over twenty five years but instead Im still paying on a high debt loan because they would never accept my forgiveness so i will be retiring in a couple of years and still having to pay Navient thats is just unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Every other credit card company was able to help us in our financial hardship. They closed our credit accounts and put us on a five year loan to pay off our balance at half our monthly payments. {$100.00} a month credit card bills became {$50.00} a month and in five years we will be free of the debt. Capital One refuses to do this. They closed our account but continue to charge us {$70.00} in interest every month. After 5 phone calls begging them to help us we got hung up on. We need a five year payoff on our balance with no interest and late fees like every other company did for us. We can not afford the {$100.00} per month Capital One refuses to budge on. If they will not work with us on this we will have to file bankruptcy to stop the huge interest charges from them. They are heartless rude and cruel. If they wont help us I will be sure to tell everyone I know to avoid capital one over all other credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I ma seeking a receipt of a transaction between XX/XX/XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. This item was a pressure cooker dollar amount $ 80- {$100.00}. I called credit today and after being verified was referred to JCPenney .com.

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 2018-06-18
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I currently paid off the mortgage with Ditech. The payment was processed with a late fee of XXXX. I called to get additional information and was told that this was assessed from XX/XX/XXXX? I am not sure how I was assessed in XX/XX/XXXX with a payoff and charged additional fees.

In XX/XX/XXXX, they sent me a notice that my escrow was short. I sent in the amount they requested, the funds were applied incorrectly and was charged late fees again. I sent the payment in with the payment coupon they provided with my escrow analysis? I had to call 2-3 times to get it applied correctly. Everything was cleared up and my account was corrected. I received statements for XX/XX/XXXX and XX/XX/XXXX with no late fees? Now when I pay it off in XX/XX/XXXX there are late fees??

They have reported my account late to credit reports over these fictitious late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a preferred master card with citi bank. And was denied based on my XXXX  credit report. And I don't agree with there decision. My report look good and I was denied based on my race. The application number is XXXX I have a XXXX credit sore and I owe XXXX on a store card. I would like a better redecision with pull my credit fie. Best 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 2019-01-17
Company: EQUIFAX, INC.
State: GA
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:
Equifax is refusing to take off a account that does not belong to me.. I have disputed this many times and I have not gotten anywhere with them.. 
XXXX and XXXX  has already removed the account from my credit report. 
But Equifax has refused to. 
they keep telling me that the company involved said that the information is correct.. I can't see how this is possible because the others have already removed it.. 
Back in XX/XX/2017 I went to court for a car that was put in my name without my permission, didn't know I was listed as a Co buyer until I was served with court papers saying I was being sued By XXXX XXXX. 
I went to court and explained to the judge that I never agreed or signed anything say I would be a co buyer for any vehicle and the signature is not mine.. The judge dismissed the case against me without prejudice.. I sent this information to all three Credit agencies. 
Yet Equifax has not removed it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020. I tried to link my PNC account to my investor 's account. PNC wouldn't allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions 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:
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by Experian and XXXX, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have Experian to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the Fair Credit Consumer Act.

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