BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently in my 3rd lease from Acura since XXXX. Since turning in my previous XXXX XXXX, this will mark the most terrible experience I have ever had with Acura/Honda vehicle purchase or leases. ( owned 3 XXXX XXXX XXXX as well ) Where do I start with this mess? 

American Honda Financial reported my credit report 30 days late, trying to collect an incorrect balance, that I believed to be taken care of during early-lease turn-in at their dealership. At first they reported a {$5000.00} payment owed and due XX/XX/XXXX, and marked my credit 30 days late ( I have never been 30 days late on any of my Acura leases ) immediately without hesitation! American Honda Financial did not apply a payment of {$2200.00}, received on XX/XX/XXXX, when I turned in the XXXX leased vehicle. The American Honda Financial REP ADMITTED fault while CORRECTING the balance to reflect the missing payment, but refused to admit fault or remove the negative remark from credit file. It seems America Honda would rather penalize my credit illegally for some ODD reason. I will never buy another Acura/Honda again if this is what " loyalty '' gets you. This has resulted in numerous calls back and forth to the Acura  dealership and America Honda Financial, while NOTHING is being done. Instead I get a simple generic response via online correspondence, instead of a phone call that I've request multiple time to discuss this IMPORTANT matter. WHERE ARE THE CORPORATE OFFICIALS? N-E-V-E-R A-G-A-I-N.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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  Account # 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 a account without my written instructions.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dont recognize inquiries on 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 non-monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i had a car finance with ( XXXX XXXX XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: PA
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:
For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for XXXX & Equifax that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from XXXX and Equifax it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Was told transaction dated for XX/XX/XXXX would be available on XX/XX/XXXX. Confirmed in a call on XX/XX/XXXX

and was told funds would be available on XX/XX/XXXX. Called on the morning of XX/XX/XXXX and confirmed available in the afternoon. Afternoon of XX/XX/XXXX was told it would not be until XX/XX/XXXX ... .. Refunded transaction and resubmitted an invoice to receive sooner, now being told XX/XX/XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: The CMI Group, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I called and spoke with XXXX XXXX at XXXX, at Credit Management Resources. First of all, I never received a bill from the original creditor, confirming this, they had an old address on file from 5 years ago. I went ahead and paid the {$65.00} on my account and was promised that it would be removed from my credit file. on XX/XX/2020 the account still was showing but with a XXXX  balance. On XX/XX/2020 at XXXX XXXX I checked my credit report, and to my dismay, the account was still on the file from XXXX, It had been removed from XXXX, I called XXXX and spoke with XXXX ( I think this was her name, she spoke fast, and would not repeat her name ) She confirmed that I had a XXXX balance. I asked if they could contact the credit agency and remove the account since it had been completely satisfied I even reminded her of the conversation from earlier ( last month ), She stated that once it has been paid to a XXXX balance, they are not required to remove it from the credit file, I then asked to be escalated up to a supervisor, after about a 5 minute hold, she informed me that no supervisor was available, my response was that I would just report this to the Consumer Financial Protection Bureau. I feel that my consumer rights have been violated, I am being adversely impacted, although I have paid my debt in full. The address to the Collection Agency is as follows : Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Thank you for addressing this issue and advocating for consumers such as myself. 

XXXX XXXX XXXX, TN

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: Roquemore Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has called me repeatedly regarding a family member 's debt ( dates below ). I sent the company a certified letter telling them that the phone numbers they were calling were not the correct numbers for the person whom they were trying to reach and to stop calling, and also to confirm receipt of my letter in writing within two weeks or I would submit complaints to the CFPB and the CA Attorney General 's office. The XXXX record shows the company received my letter but the calls have continued. 

Calls received on : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( two calls on this day ) XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX I noticed fraudulent charges on my Barclay Bank  account # XXXX XXXX XXXX XXXX. I called the number on the back of the card to report the fraudulent charges and request that the account be closed and reissued. Barclays automated system stated that they could take phone calls at that time and that I should communicate via their secure message system. 
I requested via their message system to close the account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2020. 

I also wrote two letters requesting that the account be closed. On  XXXX XXXX I received a form letter stating that they could not complete my request at that time. 
I was finally able to get them on the phone in early XXXX and after much discussion and finally a demand, they closed the account. 
If they had responded to my requests to close the account in a timely manner either by message or via phone as is usual for all other credit cards I have had, then there would have been no problem. 
I feel that they are responsible for all fraudulent charges on this account by their inaction to my request.

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 2023-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted this company several times in regard to the alleged debt and consumer violations. I sent a cease and desist with a request for information that was not supplied line for line and an affidavit of truth which is unrebutted. I have not received any further communication on the account and the account is reporting on my credit reports which is impacting my ability to obtain credit to properly take care of my family.

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 2023-02-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote a check for {$660.00} to XXXX XXXX. The check cleared XXXX XXXX  on XX/XX/XXXX. However, I discovered that someone fraudulently endorsed my check and deposited the funds in their account at Wells Fargo Bank. On XX/XX/XXXX, I filed a complaint with XXXX XXXX  to recover my money. On XX/XX/XXXX, XXXX XXXX  wrote to me that they were closing my claim because Wells Fargo Bank never responded to them.

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 2019-04-23
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I was fooled into signing a Confession of Judgement.

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 2018-05-09
Company: LDF Holdings, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The number XXXX keeps calling my work and cell. Threatening to damage my credit. Swearing and trying to extort additional information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
Below is what I have sent to numerous customer service research emails for Dovenmuehle. 

I am writing because XXXXXXXX XXXX, Dovenmuehle and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XXXX of XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for Dovenmuehle to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, can % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. 

This extension needs to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.

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 2023-03-06
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Money was stolen out of my account and transferred to an account that was opened fraudulently and they filed disputes ND said I would have my money on XX/XX/ then turned around and denied my disputes on XXXX XXXX XXXX  and now they just keep saying they are sending it to their higher ip department ove already submitted the police report and the XXXX paper and still haven't heard from them and they closed my account on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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 belongs to someone else

Complaint:
The accounts listed are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: MI
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:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Experian incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. Have these following items be removed accordingly XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of 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