BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: AMERICAN HONDA FINANCE CORP
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:
This is regarding a late payment record that was reported inaccurately by Honda American Honda Finance. I had recently checked on my credit and it shows that there was a late payment reported in XX/XX/2015. My recollection of the event was that I had gone out of the country during that time and had made my payment via the internet and had logged in to pay for my account on the site. I was able to set the amount and I had clicked submit and logged off and payment had posted on my bank account as pending. When I got back from my vacation out of the country I had noticed that the payment did not go through causing me to be late on my payment. I had contacted Honda Financial Services regarding the matter and had paid the whole balance that same day. I was assured by the account representative that it's hard to pinpoint what went wrong and that there was nothing to worry about and since I don't have a history of late payment that it should not be taken against me and I have moved on from that and the same error never occurred for the remainder of the account. I had contacted Honda Financial regarding this matter and they had sent me a copy of the account via mail proving that my payment was indeed late. I am aware that the account was late as it shows on my credit the problem was why it was late when I had made the attempt to pay for my due balances the same way I have been every month before this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 XXXX  XXXX / XXXX XXXX  Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2020 XXXX XXXX, I was scammed and transfered XXXXUSD via Chase quickpay to someone with an email adress XXXX. I was exchanging XXXX currency with this person online who was supposed to transfer XXXX currency online to me after I quickpay him/her the money. However, he/she never replied to my message after I transfered the money. 
I contacted the Bank of Chase and they refused to reverse the fund. The transaction is under pending but they also said the money is already transferred to the other person. The bank has authority to access the transaction and they are allowed to reverse that with this type of scam. However, they refuse to. 

Here 's the police case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Presto Loan Center, LLC
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: Account information incorrect

Complaint:
Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my Presto Auto Loans account was never late not even the 1 time both companies show. XXXX and XXXX. Nor was it closed as a negative as XXXX  shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from XXXX  and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by XXXX  was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you XXXX is unable to receive disputes online. I also have sent numerous letters will all required information with no response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2022-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

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 2020-02-23
Company: Experian Information Solutions Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have a fraud alert active with an old phone number, I'm having problems getting a car loan because I have a new phone number. I'm having problems confirming identity, I want the alert removed or the phone number updated. My old number was XXXX which is no longer my number, My new number is XXXX Experian makes it so hard for me to get my credit back in good standing. Thank you

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 2017-09-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday XX/XX/XXXX, I inquired with someone about buying a XXXX XXXX through XXXX. I should have noticed the first red flag when i texted and was asked to pay through XXXX, but alas i was scammed out of {$150.00}. The seller gave me their phone number and i proceeded to text them about the product. They promised to ship via usps and I went through, assuming it was legitimate. I paid half up front and my XXXX  transaction is titled as so ( 1/2  switch ). The payment was posted on XX/XX/XXXX and the money was immediately taken out of my account and i am currently down {$150.00}. The user, XXXX XXXX, provided a fraudulent tracking number which obviously never updated. I have screenshots of the entire conversation and if needed can provide any additional information. I noticed the issue after my number was blocked and i couldn't send any more texts. I submitted a claim with Capital One and was provided a provisional dispute credit on XX/XX/XXXX. I was informed yesterday, XX/XX/XXXX, that my claim was denied and I called the claim department today, XX/XX/XXXX, and learned there was no further action I could take. I have attached a zip file with 21 screenshots of all my conversation with the person who scammed me out of my money, alongside a copy of Capitalones response email when denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by an unknown number that left a voicemail. Said his name was XXXX XXXX and had documents for me and I had to sign with a witness. I was given a call back number. I called and I do n't believe they identified who they were. The man said something about a Citibank account- Shell card.  Now this is a debt I do owe but their information was not lining up. They claimed they were working with Citibank to collect and that if I did n't comply, they would sue. I contacted Citi and they no longer own my account- it 's been sold to a debt buyer which I 'm unsure who owns it. But they gave false information stating Citi would sue. Mind you, this is an account that 's maybe 400 dollars. When I told him I was not home for the courier, he said they would go to my wife 's work. My wife is not on the account with me so that right there is a red flag. When I XXXX  the number all sorts of things came up and most experiences were similar to mine. I contacted the police and they too think it 's a scam

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 2019-10-14
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/19, My attorney mailed a debt validation letter to XXXX and XXXX ( Please see attached letter ). XXXX did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. XXXX and XXXX is violating the Fair Debt Reporting Act and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio 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 2019-09-17
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Automated Collection Services, Inc.
State: TN
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:
Automated Collection Services, inc. is reporting an account on all three of my credit reports that does not belong to me. I sent them a " Validation Letter '' to this company XX/XX/XXXX requesting validation for the amount they claim I owe. I reviewed the letter and completing disagree with their claim. I did not received services from XXXX XXXX Department as they claim and I want this incorrect information removed from my credit reports immediately. 

Just to add, during the time they claim I needed their services I had 'Full-Coverage '' Insurance through XXXX and have had it since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXXXXXX XXXX XXXX XXXX  / {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022

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 2017-07-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.

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 2022-04-27
Company: Exeter Finance Corp.
State: VA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 States 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX confirms NO LETTERS after I confirmed there were two dated XX/XX/XXXX and one XX/XX/XXXX. He confirms I did Not make a fraud report UNTIL XX/XX/XXXX. XX/XX/XXXX is the first Credit Reversal of {$12.00} IT MUST HAVE BEEN REPORTED * PRIOR TO XX/XX/XXXX TO BE A CREDIT REVERSAL ON XX/XX/XXXX STATEMENT?? See attatched 3 USAA letters regarding USAA FRAUD CREDITS APPLIED. Kindly note ALL THREE letters confirm creditcard ends XXXX. See attatched XX/XX/XXXX statement Card ends XXXX. USAA reversed {$120.00} XX/XX/XXXX letter NEVER Creating New Purchases XX/XX/XXXX. I did not authorize OR REPORT FRAUD & {$210.00} XX/XX/XXXX NEVER REPORTED FRAUD confirming USAA CREDITS APPLIED back at beginning of investigations done on these two transactions. See attatched statement XX/XX/XXXX The ONLY CREDITS APPLIED WERE FROM MERCHANTS. USAA reversed credits NEVER GIVEN. USAA ( TEMPORARY CREDITS * ARE NEW PURCHASES ON MY ACCOUNT XX/XX/XXXX ) I DID NOT AUTHORIZE ANY OF THESE ( CREDIT REVERSALS NEW PURCHASES DISPUTES NOT IN MY FAVOR?? OR WHATEVER ) AND USAA DID NOT PROVIDE CREDITS ONLY MERCHANT CREDIT. See attatched letter XX/XX/XXXX {$470.00} CONFIRMING *** TEMPORARY CREDITS WERE MADE PERMANET. FRAUD CLAIM DATE XX/XX/XXXX **NO USAA TEMPORARY CREDITS CREDITS APPLIED PER STATEMENTS TO MAKE PERMANET in XXXX. This entire amount of the 3 letters TOTAL {$810.00} All Appear as NEW PURCHASES in XXXX see total New Purchases under Summary Activity. XX/XX/XXXX and All XX/XX/XXXX NEW PURCHASES XXXX ARE NOT AUTHORIZED. These same purchases I reported fraud are back again as NEW PURCHASES XX/XX/XXXX AS DISPUTES ** NOT IN MY FAVOR??? HUH?? they are Unauthorized. Now they ARE NEW PURCHASES?? WHY DOES USSA LEAVE CONSUMERS WITH FRAUD? Taking merchant credits for their own.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay XXXX XXXX powered by Experian every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX 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