BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We have a car loan with XXXX XXXX XXXX back XXXX of XXXX. The car was involved in a total rec accident. Honda Financial had paid insurance and gap insurance. This all happen when when I lost my job during this time, I was having some hardship financially so I missed payments in the process before and after the accidents of the car. 

The insurance and gap insurance was totally paid off. now it's just my deductible {$1500.00}. during this time I did not have a current job as of yet. I ask Honda Financial to give me 60 days or make payments in range of 2-3 months, they refuse my and did not understand my situation. I finally got to payoff the car after 2 months of missing this dates that affected my credit history. 

in XXXX of XXXX I was able to settle the and pay the full amount to close this Auto Loan account. Now that I've been trying to get my credit established this is showing on my history. 

If you could please help me dispute this record to be taken off since this is already been paid off. 

Thank you -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 I sent Transunion letters about the inaccurate information being reported on my consumer report. I requested proof of all verifiable information with the time the FCRA allows. I did not receive any proof of alleged information. In accordance with the FCRA my privacy and rights have been violated. 
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 section 602A states I have a right privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 1a 2 ( A ) ( I ) PERMISSABLE USE

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 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.

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 2021-02-04
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
D2 Management Representative from XXXX called me on XXXX at XXXX CST and Gave me my last 4 digits of my SS and the company name where i work. They then said I owed +/- {$550.00} on a pay day loan that they claim i used my check stub and applied for it on my account at XXXX XXXX . Number one i have never had an account at XXXX XXXX. Number two i have never EVER taken out a payday loan in my entire life. When I attempted to explain it to the lady she argued with me and said i was not correct. I asked where she got my last 4 digits of my SS and she would not answer. I then explained that i never had an account at XXXX XXXX and that i never took out a pay day loan in my life. She again said that i was incorrect. I asked for her to send me the documents showing this and she only wanted to know how i was going to settle the debt. I told her it was not mine and I was reporting them for Fraud and hung up. She also claimed, when i asked where she got my last 4 digits of my SS number, that she was recording the conversation for training purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
On XX/XX/XXXX I mailed a certified letter to Equifax disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update and submitted a 2nd dispute letter of my personal information and public record as I had learned of some identity theft and fraud and that I was affected by their data breach. Their report had 9 erroneous addresses, and 3 employers which I requested to be deleted. There were approximately 10 plus paid and closed accounts that were 10 to 18 years old. I also requested proof of verification of the public record/bankruptcy they were reporting for me and documentation of the method of verification with the Court. 
On XX/XX/XXXX I received an email that my dispute was complete and an updated report via mail on XX/XX/XXXX. It doesn't appear they investigated at all! They failed to provide any proof or documentation of the disputed items and simply added " consumer disputes '' to the disputed items. 

I asked to dispute the public record again with proof they verified with the XXXX  Court and not the 3rd party XXXX XXXX as they did not have my authorization or consent to acquire information on me or the accuracy of the public record as they had not verified any information they collected with the creditor or courts. 

I advised that I was affected by the Equifax data breach and it did not matter at all. After 3 disputes, they continue to report unverified inaccurate information and have not provided me with any documentation regarding these unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report I found many inaccuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XXXX Dear Transunion : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX There were fraudulent charges made on this account and I have disputed them, please remove it until your investigation is complete. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX DOB : 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
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

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 2023-03-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am not opted in to overdraft protection yet have been charged multiple overdraft 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 2023-03-02
Company: Experian Information Solutions Inc.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 2022-02-24
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019, I received a call from Citibank about my mortgage. The lender offered to improve my rate, reducing the rate init from the current fixed rate mortgage. He started the process without any signature, and when I received all the documentation in my house, I realized that the rate was fixed for a shorter period. I wasn't interested at all. 

I called him and wrote to him to honor our conversation or stop the process. I told him not to do the appraisal. I suppose he forgot it and didn't stop it. The bank charged {$1000.00} for the non-authorized assessment one week later. 

As of today, I am an excellent Citibank client, and I have allowed them to refund the money and solve the issue. Nobody has wanted to take responsibility for that, and after XXXX years of brach visits, calls and emails I decided to present this complaint. 

The lender tried to lie to me about the maturity of the mortgage. Later, despite being a Citibank employee, he introduced me to his wife, an independent mortgage broker. 

Finally, he sent me an appraiser, and he didn't refund the cost. 
Of course, the Citibank lender had a wrong behavior and made a mistake, but Citibank should have solved this problem immediately.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 # has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 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 2023-06-23
Company: Experian Information Solutions Inc.
State: NJ
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:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 act XXXX XXXX XXXX XXXX Account number 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this

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 2022-02-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my direct deposit at XXXX XXXX PST. I awakened this morning and could not access my CHIME account. I tried to use the " forget password '' option and found the phone number it attempted to send the verification code to was an unrecognizable number. I had to go through a verification process using my California Driver 's license to change the number back to access my account. I accessed my CHIME account and found my savings had been transferred to my checking, and all of my funds had been withdrawn in rapid sequential amounts starting at XXXX XXXX  PST totaling {$980.00} They are all pending. I contacted CHIME to cancel these pending transactions and return my money. And even after explaining the situation, they would not. They explained that they needed to wait 7-10 days until the transactions were settled or canceled on the merchant 's end, even after showing the illegal access occurred in New York XXXX and that I live in XXXX. I, of course, canceled the card but they will not give me my money back. They will not comply with banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
On XX/XX/XXXX XXXXXXXX XXXX  emailed me stating they had system outage and that they were working on restoring access to accounts. Ive attached a screenshot of the email for your viewing. 
Thereafter, on XX/XX/XXXX i am notified by my credit monitoring service I have a change to credit and its for a major derogatory for my XXXXXXXX XXXX  account ending in XXXX. I immediately knew this was wrong since I had just made a payment about two weeks ago or less. Ive attached my bank statement showing proof of that payment for the month of XX/XX/XXXX. I contacted XXXX XXXX  services to advise and ask for remediation of issue. Im currently unemployed and need to keep my credit score clean and good and this issue dropped my credit score to almost more than 40 points! All they said was the issue was been fixed and they are aware to contact Experian if I need an updated credit report file. I asked for them to provide me with a statement explaining the situation and how it affected my account and they refused to do so. All the service advisor kept saying was I needed to contact experian! I am so disappointed with the handling of my credit information. They say it was just a system outage but Im afraid my information was compromised. Please reach out to them and ask them to at least provide more resources to their customers. I am not the only one affected million of their users shared frustration via XXXX in regards to their system issues and credit misreporting.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$560.00}

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 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX adn capital one data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra

Company response to consumer: Closed with explanation