BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00}.

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 2022-07-20
Company: ZuntaFi Corp
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I refinanced my student loan debt through another company. That company sent a payoff for the loan amount on the statement that I received from Zuntafi. I had a balance due for a collection fee still on the account. What Zuntafi did was take my collection fees and transfer it to my principle amount to be paid and is charging interest on it. Since this is a collection fee charge, I was not financed or forwarded any money that they can charge interest on. All monies that were paid on my behalf when Zuntafi took over my loan was for the amount of my original debt. Then as part of their business, they added on collection fees. They had been charging interest on my loan debt and the collection fees remained constant for the duration of time that I had been paying on the loan. Now the loan is gone, and they have switched my collection fee to a financed principle balance and are still charging me for the collection fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Honda Financial services is who I have my loan with and back in XXXX when I lost my employment and housing and all income i communicated with them continously through email because I did not have a phone for months. They continue to charge late fees, interest, and never offered me assistance because I was told they could not offer help thru email only on the phone or thru your account but my online account was already disabled by them so I couldn't apply. They said I had to pay two months in order to get them to extend the other months past due to the end of my loan. I had no job and could not do so. Now my loan has been charged off and I've been trying to pay the past due balance but they now want the full loan amount like to buy my car from the company who paid the loan off. Its {$29000.00} they haven't returned my emails or calls. Starting from XXXX I've contacted them thru email and through XXXX and have all the correspondences. I've explained I did not have a phone because I was unable to afford one at the time. Told them I'd be starting a new job and would be able to make payments once I get an income coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong address reported on a XXXX 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 2022-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following accounts because believe they were reporting in error. 

XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TN
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 Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TCF NATIONAL BANK
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I recently tried opening an account with XXXX XXXX XXXX  a week ago inside of their branch. XXXX  branch provided me with a denial letter and provided me the information to contact an agency called " XXXX '' who may be reporting inaccurate information on my consumer report through their agency. I was advised from XXXX XXXX bank to contact this agency which I did and spoke to XXXX which they provided me to go online & I was able to pull up very detrimental & inaccurate information from XXXX different banks ( XXXX, XXXX XXXX XXXX XXXX Bank of America ). I was able to speak with all XXXX banks. XXXX XXXX  has stated they have reporting this information to XXXX to get this removed. Bank of America has started the dispute process. XXXX XXXXXXXX XXXX I am needing to speak to to start the process. In the meantime, all of this inaccurate information is due to identity theft which I have no knowledge of any of these accounts being opened in my name without my consent. Please remove and block. I have never opened any of these accounts. I am taking a thorough initiative to ensure this is appropriately removed from my consumer report through 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 2023-08-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
One in XXXX of XXXX  found an account that was paid and closed however the account is still active on my report now even though in XXXX I had it reinvestagated and it clearly says paid and closed

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 2022-07-20
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2022 I was scammed into sending a {$200.00} deposit fee for a puppy I never received. An ex coworker referred me to someone they considered a friend. Assuming that my ex coworker knew the person I gave permission for them to share my number. The scammer went by the name of XXXX XXXX on XXXX. She said I needed to give a deposit of {$200.00} in order for her to hold the XXXX week year old XXXX. Once I sent the deposit she then began to ask for more money so that she can leave the vets office with the puppy. I than became skeptical and called. The number was a XXXX number and the women who answered had no idea of who I was. I then text the number again and asked her to refund, she continued to lie and then stopped replying. I called the bank immediately and they took a claim and told me I could not be refunded because it was a scam and Zelle does not offer protection against scams. The email which I sent the zelle to was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I reached a written settlement agreement with Citibank , N.A . in XXXX and made monthly payments. Due to long-term unemployment that lasted from XX/XX/XXXX-XX/XX/XXXX, I was unable to make payments in late XXXX, so Citibank received a default judgement against me in XX/XX/XXXX. 

The attorney for Citibank sent a letter to me on XX/XX/XXXX and offered to modify the XXXX settlement agreement by letting me pay {$46.00} a month. I made the payments from XX/XX/XXXX through XX/XX/XXXX and sometimes paid for two months at a time. 

On XX/XX/XXXX, when I was three month ahead of schedule, and had paid {$130.00} extra, Citibank, without prior notification to me that anything was wrong, garnished and placed a hold on two checking accounts and one savings account at XXXX XXXX for more than I owed, including court costs, etc. The total of the three bank accounts was less than {$1500.00}. 

On XX/XX/XXXX, I filed a motion to exempt my property of less than {$6000.00} from garnishment and mailed a copy to the attorney for Citibank by certified mail. The attorney for Citibank received and signed for the certified mail. 

I called the attorney for Citibank on XX/XX/XXXX and asked a non-attorney employee to send a payment history to me by email and by delivery through the postal service to my home. I called again on XX/XX/XXXX and another employee told me that I should receive the payment history by email within 24 hours of my initial request. However, as of XX/XX/XXXX, I still have not received the payment history by email and the hold is still on my three bank accounts. 

The illegal garnishment and hold on my checking accounts, plus not sending a payment history to me are clear violations of my rights.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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 2021-10-04
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ERC is reporting a negative unverified account on my credit report. ERC failed to respond to my debt validation letter sent on XX/XX/2021. ( please see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.

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 2018-12-17
Company: Diversified Consultants, Inc.
State: AL
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 have sent two certified letters to Diversified Consultants INC asking for documents bearing my signature and I also have proof of someones signature so they have received my letters! They will not provide the documents bearing my signature! Only itemized bill! Theyre continuing to report to CRAS without proper Validation that I asked for! Itemized bill is NOT validation! I sent letters XX/XX/2018,XX/XX/2018,XX/XX/2018 but keep getting itemized bill! I have no other choice but small claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX  at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My automatic loan payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal loans. I call Navient to investigate and after 30-60minutes on the phone it is discovered that my loan payments ( to loans " 5 & 6 '' ) were misallocated. The loan payment is then re-allocated correctly. I am told the problem is fixed. then 2-3 weeks later I receive another voicemail on my home phone " this is XXXX from Navient there is an important matter to discuss regarding your student loans. '' I call, the same probalem ; the problem is " corrected again ''. Every month for the past several months I have to fix this problem. there does not appear to be any end in sight. Navient does not seem to know how to correct the problem. I am being harassed with daily phone calls on a monthly basis for a problem in their system which they can not fix. I want a permanent resolution to this problem. I have n't had a late loan payment in & gt ; 10 years. I do n't want Navient to ruin my credit, because they are too incompetent to fix the problem with their computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold and mailed an item to a buyer using US postal services to send. The buyer never asked for tracking, despite my asking them to do so.

The item was mailed and payed for thru Paypal 's money service.

The buyer states they never received the item and filed a complaint with Paypal. I responded to the buyer 's complaint by providing PayPal with copies of the US Postal mail receipts and as it was sent oversees the customs form copy showing the address the item was mailed to.

Paypal wrongly sided with the buyer and is trying to wrongly collect a {$2.00} charge, which is the difference of the {$48.00} charge they reversed charged to my account.

I called them to dispute the charge and was told by their operator, verbally they were pursuing collections actions against my me for the {$2.00}.

This is wrong, I did as I was supposed to mailing the item as the customer requested, they not receiving it in their country is not my fault, and Paypal is taking the easy way out by trying to wrongly collect a debt on a US individual as they I believe can not go after the foreign person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. 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