BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received paper statement in XXXX for XXXX 's bill, paid XXXX 's bill. Sometime in XXXX Honda Financial switched, without my knowledge at the time to electronic statements. Honda Financial stated the accounts were changed to online, my records showed that I was expecting paper statements as originally agreed upon in my terms and agreements with the lease. I did not receive a change to policy that my statements would be electronic, to this date I am told they are electronic but have no means to access this version of the statement. I have requested to be put back on paper statements in XXXX and my request has not been met to this date. I have contact Honda Financial on several occasions regarding these matters with the statements. 

Due to me not receiving these statements I missed XXXX, XXXX, XXXX, and XXXX payments has caused issues with penalties and a severe impact on my credit score. Honda Financial made one attempt to contact my husband to make a payment, at which they did not state there name, or that they were on a recorded line, and did not provide a means to correct the missed payment. In addition we did not receive any past due notices ; written or electronic. I have since paid all these in full after having my vehicle reposed including fees, finance charges, toeing fees, lot fees, etc. I have attempted to negotiate with Honda Financial since they did not provide a resolution in the matters on the statements, and have not provided options or abilities to correct these errors which has caused penalties exceeded {$1000.00}. I do have copies of the total penalties and fees that have been assessed to this date. I have also been on time with payments since this issue occurred, but have yet to have any corrections done by Honda Financial.

Honda Financial has continually ignored my requests to have paper statements, along with copies of the notices that I was past due in XXXX through XXXX. 

For specifics on dates, dollar amounts, and other information I have retained a physical copy of what has been assessed to date. I will be willing to provide a copy of this information for further details regarding total fees and penalties assessed. I would be able to fax these documents in since I do not have a scanner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: OR
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: Investigation took more than 30 days

Complaint:
I ( XXXX XXXX XXXX ) am making this complaint because Experian has continued to disregard my fraud dispute for Identity Theft. I am now submitting my documents here to have record of my submission to Experian with the submitted date. This dispute is regarding the " XXXX XXXX XXXX ( Account # XXXXXXXXXXXXXX ) '' on my credit file with Experian. This information is not information relating to any transaction by me ( XXXX XXXX XXXX ). 

I have submitted the documents below per the Fair Credit Reporting Act as follows ; appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Upon receipt of this report of Identity Theft I expect that Experian block or remove this inaccurate and/or Fraudulent item from my credit file on my report with them within 4 business days. 

I am submitting this complaint and these documents myself ( XXXX XXXX XXXX ) and no other parties are involved besides the CFPB and Experian.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: NJ
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

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 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had my bank account opened for 7 years with no fees ( just required one monthly transfer from checking to savings ).

However 3 months ago with no notice I started getting billed {$12.00} a month for a " Monthly Maintenance Fee ''. 

I called up bank of america and they said the new requirements to avoid the monthly fee was to maintain a {$1500.00} balance in the account which I quickly made sure to do, however bank of america is refusing the refund the {$36.00} in fees.

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 2021-10-05
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of refinancing my home with " Freedom Mortgage Company '' on XX/XX/2021. After submitting ALL the documents requested by Freedom Mortgage, the company was negligent with the handling of my loan. They would ask for the same documents over and over again because they would pass my loan to several agents within the company. As a result of this process, seven months has gone by and TWO appraisals and one termite inspection that I paid for expired. Freedom Mortgage requested that I pay for and submit a THIRD appraisal and SECOND termite inspection. At this point I am cutting ties with Freedom Mortgage and requesting to be reimbursed for the money spent.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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:
Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XX/XX/15 {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX   {$550.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX   {$300.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX   {$3600.00} XXXX XXXX {$10000.00} XXXX XXXX {$1700.00} XXXX {$260.00}

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX is reporting a balance to Transunion when i paid account in full

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 2023-07-21
Company: EQUIFAX, INC.
State: TX
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:
Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Aspen National Financial, Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Aspen National collection agency I called the company on XXXX XXXX about this debt of {$1900.00} and they told us the debt was not paid but I emailed on XXXX XXXX them proof that this debt with vacation village was resolved and that we no longer had this property. We had this dispute but they keep adding fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
I discovered an account on my credit from Midland Funding. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, it is going on 90 days and I have yet to hear back from them ... however, they have contacted the credit bureaus are informed them that account number XXXX is my debt!!! 

I don't understand how this debt was placed on my credit ... .I was never offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice? I don't know whom the original creditor is to try and get to the bottom of this. I have reached out to the XXXX  and the FTC as well to ask for assistance. This is unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Independent Recovery Resources, Inc.
State: NY
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:
Independent Recovery Resources is a collection agent that was allegedly hired by my doctor 's office. They filed an adverse complaint against my credit report in XX/XX/2019 after the account was allegedly placed in collections with them on XX/XX/2019. However, I paid the account on XX/XX/2019 and provided written evidence to this effect on XX/XX/2019. The doctor 's office confirmed that the account was not in collections and the matter should not have been reported to the credit bureau. As of today, there is still an adverse report on my credit report. Please penalize this business for their illegal acts and order them to remove the matter from my credit account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

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 2023-07-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2019-05-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX, I was issued a secured credit card with Citibank with a deposit given of {$2500.00}. 

On XX/XX/XXXX, Citibank closed my account without any warning whatever. They refused to give me any information why they closed the account. 

After the closing of the account, I made 5 requests that Citibank refund my {$2500.00} security deposit. They told me that it would take time to process the request. I was further told to call back.

Finally, on the 5th phone call, Citibank told me that they issued the check and mailed the refund on XX/XX/XXXX. I waited until XX/XX/XXXX and still no check. I then called to follow up and Citibank, who changed their story and said the check was mailed on XX/XX/XXXX in contradiction to their prior statement. 

I asked to see a copy of the check showing the date and/or a mailing confirmation and Citibank refused. They said they could not send any confirmation of either the check or the date they allegedly mailed the check. 

I spoke with Employee ID XXXX. To date, I have no refund check.

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 2018-03-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

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 2023-07-19
Company: Rozlin Financial Group, Inc.
State: FL
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:
XXXX XXXX XXXX applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/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 2019-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian did not report correctly. I did pay XXXX XXXX XXXX on time in XX/XX/XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XX/XX/XXXX. I did pay on time! 

Experian also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with Experian as they require me to call. It s plm using interpreter due to unclear screen. Best is to be dibe thru online. Experian has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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