BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was included in bankruptcy case # XXXX. 
Contacted original creditor about debt and it was settled however a new collection agency is now reporting 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
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XX/XX/XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on  time payment where made since XX/XX/XXXX I have printed a copy of last 4 payments to show that this account was never late

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 2020-09-10
Company: Experian Information Solutions Inc.
State: NJ
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 have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX/XXXX XXXX Account Number # XXXX Balance {$350.00}

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 2019-08-15
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Signed up for a student loan forgiveness program through equitable AcceptanceXXXX student loan care. Found out they are scamming me a service fee for them reconciliation of my loan. They charge me monthly without this going to my student loan itself. They claimed to be helping me out with my student loan not putting me into an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2023-01-27
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a car through XXXXXXXX XXXX and their credit company bridgecrest. I am trying to refinance the loan ( which is still a high ridiculous amount ) and the refinance company says my cat isn't on any of my credit reports.

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 2019-08-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Step 1 : What is this complaint about?

This complaint is in reference to an end of lease invoice mailed by Honda Financial Services.

Step 2 : What type of problem are you having?

I am having a problem getting wear and tear fees as well as additional mileage fees removed on my final invoice.

Step 3 : What happened?

Prior to signing the lease, I purchased an optional warranty. Specifically this warranty is a autoguard excess wear and tear warranty for a period of 36 months. Unlimited miles are also specified on the warranty which is in the lease contract.

Step 4 : What company is this complaint about? 
Honda Financial Services Step 5 : Who are the people involved? 
Honda Financial Services ( Lessor ), XXXX XXXX ( Lessee ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wasnt aware of the debt I owed. National Credit Systems never send a letter of validation for the debt originally credited to XXXX XXXX XXXXXXXX XXXX. The account was reported to XXXX on XX/XX/XXXX and I have yet to receive information regarding dispute rights, validity of the debt, and payment options as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare fraudulently resubmitted an online billpay check to my credit union. The second payment from my account taken on XX/XX/19. The initial payment was paid by my credit union on XX/XX/XXXX, then Loancare retried it on XX/XX/XXXX and my Credit Union paid it again causing overdrafts, etc.

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 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It was XX/XX/2018. I was trying to purchasing an Motorhome on XXXX XXXX for {$35000.00}. The scammer said they will ship the car to me for free, I have 7 days inspection, after that they will release my payment to seller. 

They have a very convincing website. I totally believed they have a whole fleet to do the shipping. But I do have some doubles, so I asked for shippers ID, shipping company 's business permit and other docs, the scammer provided all. All fake of course. 

I never seen the motorhome and tried to contact the bank that i wired my money to ( XXXX XXXX, XXXX fraud department ). They said they were aware of the situation since there were other victim reported fraud to them. The scammer 's account is frozen ( XXXX XXXX acct # : XXXX ), and my case # : XXXX. They were asking me for a " hold of harmless letter '', I reported to my bank ( case # : XXXX XXXX ) asked my bank " bank of america '' for many many times to help me with the letter, but they refused. 

Now the case was solved by FBI, they caught 30 scammers all together and porsecuding them one by one. Victim Identification Number ( VIN ) XXXX ', here is the victim office contact : U.S. Department of Justice XXXX District of New York XXXX XXXX XXXX XXXX XXXX XXXX  , NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I just want someone can help me to have a hold of harmless letter and have the money back {$35000.00}.

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 2020-08-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently pulled my three credit bureau reports in anticipation of a home purchase and got a surprise with an unknown collection account on XXXX. I have no knowledge of this account and have not been contacted as required under the FDCPA. XXXX  has had this on my report before and I've had to have it removed again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was trying to temporarily lift the credit freeze using a pin that I placed a couple years ago. At both XXXX and XXXX  I was successful however due to unknown difficulties with Experian it seems I will not be able to do this today. 

For Experian I have the pin, however the online entry system rejected my request. Instead a long message came up as attached that says I need to mail them ALL of my valuable identity information. I do NOT want to send my SS #, copy of driver 's license, utility bill in an envelope -- Asking customers via mail seems is an invitation to identity theft as one only needs to look for mail addressed to " Experian Security Freeze '' to grab all of the sender 's personal identity information. 

Finally, no one can be reached at Experian. It seems there is ONLY the automated system and no customer assistance by phone. Are credit bureaus required to have phone support? What about the people who do not have access to a computer? 
-- -- -- -- -- -- -- -- -- -- -- In conclusion, I want to be able to ensure this is fixed and that I can instantly lift the freeze at Experian in the future. I do not trust their process at this point and am concerned that I do not have control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: OR
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:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that Experian remove the account from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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:
Experian refuses to remove the XXXX fraud account thats being reported on my file

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 2019-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is violating the Fair Housing Act by not allowing me to use VA XXXX and social security XXXX income to qualify for a loan modification. A couple of months ago I cleared the previous denial reason of " unverifiable income '' by providing a copy of a tax return showing what income I have. I then was forced to reapply and was recently denied on XX/XX/19 for the same reason of " unverifiable income '' ( my only income is military XXXX and social security ) and how hard is that to verify? I submitted the award letter and 2 months bank statements showing the deposits and that is all there is to prove since it is non taxable there are no tax returns. But yet Bank of America is refusing to recognize this as income and are trying to foreclose on my home. I opened an official appeal on XX/XX/19 which they will need 30 days to review.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$100.00} Debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$97.00} XXXX/XXXX   XXXX {$470.00} SOC SEC ADMIN OFFICE O  XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.

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 monetary relief
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX My husband and I purchased a XXXX Vacuum that was financed through XXXX XXXX XXXX XXXX. My husban was station overseas during the time and we submitted the last payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they did not process the payment. We had never missed a payment ( see Credit Report attached ). How in XX/XX/XXXX they state we were 60 days past due when they had just reported the XXXX payment as on time. Also why would we make every payment on time and get to the last payment and not make it? I called and spoke with XXXX at ext XXXX on XX/XX/XXXX when I saw this on my credit report. She acknowledged their error and stated that they did not process the payment when we submitted it. I gave her my credit card info to make that payment and she advised they would remove this as a charge off on my report and that it may not reflect for 30 to 60 days. I filed a dispute with the 3 Bureaus and Experian came back that they updated the charge off as paid in full. This was their error and they are lying to cover their mishandeling of our 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