BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This company full of crooks claim I was late at the end of my loan, to keep my credit bad so I have to keep getting loans with companies like them. I submitted a dispute with the credit agencies and the retaliated against my credit even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2019 via an online chat I informed Macy’s that I had an attorney and to direct all communication to them.They continued to call multiple times daily.OnXX/XX/2019 I emailed Macy’s at XXXX with a copy of the online chat and again requested they cease and desist contacting me and contact my attorney.They continue to call multiple times daily.This is harassment and needs to stop 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 non-monetary relief
Consumer complaint received 2019-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I’m a XXXX XXXX year old XXXX era vet prequalified for a mortgage refinance. I have never been late for a mortgage payment in the last nine years. I pay online using XXXX, my information is stored automatically. I made my XX/XX/XXXX payment on the XXXX of XXXX, found out several days later it did not go through. I made another payment on XX/XX/XXXX, it did not go through either. Your help with this matter would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXXXX/XX/XXXX  confirmation # XXXX.              XX/XX/XXXX confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint is regarding Case ID XXXX. PayPal decided this case in the buyer 's favor, even though I provided hard evidence that : 1. The buyer hired me for 8 hours of work ( confirmed via text message ) 2. I completed 8 hours of work ( dates and screen shots provided ) 3. The buyer sent me an email saying " I honestly like your work a lot '' after the work was complete ( email with headers provided ) This dispute was a case of flagrant theft of services from me by the buyer. The buyer is even now using all of the work I did on his website at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment. 

I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check. 

I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.

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 2020-10-27
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: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my credit profile, the inaccurate information in question is the addresses of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX. these address are not my address and I have never lived at any of or affiliated with any of these listed addresses. I have attach a copy of my Michigan state drivers license, with my correct address, and my social security card so that Experian can successfully identify me and know I authorized this claim. some of these address may be the result of identity theft, so I will also attach a copy of my identity theft report. the address on my state id is the only address that I recognize and is my correct address.

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.

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 2020-11-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.

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 2019-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and Trans Union still have XXXX XXXX XXXX is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and trans union That I dont recognize - XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date Apr XXXX, XXXX Status UNPAID Balance Date Apr XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact 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 explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent an investigation request to XXXX and Trans Union. Over 30 days have past, and they have yet to respond.

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 2018-08-21
Company: EQUIFAX, INC.
State: PA
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 noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The auto loan account was paid in full in or around XX/XX/2019.  With this a payment in full was dispatched from the dealer to Bank of America and received by them on or around XX/XX/2019.  

Bank of America is indicating the payment in full was received approximately 10-12 after the 30 day grace period.  While it did take longer than expected to process the payment in full, I fully communicated the matter with Bank of America and in fact contacted the Auto Loans Department every other day or so for more than 2 weeks (6-8 separate times) to check on the status of the payment and loan.   Exact dates and times of calls can be provided.  During these same calls, I asked about the potential the account would be late more than 30 days.  During each discussion, I was assured by each individual I spoke with the account was marked and noted as a final payment being processed from dealership and provided the dealership information to at least 2 of the Bank of America Representatives.

OnXX/XX/2019 I received a notice from XXXX XXXX and XXXX (through my credit monitoring service with each) that my credit report has been changed.  Upon logging in, I learned Bank of America reported the account as paid in full, but with a footnote as the final in full payment being late.  

Subsequently, I have repeatedly, no less than 12-14 different times, contacted Bank of America. Thus far, I have heard several variations of when the final payment was received and that the account should not have been reported as late given the final payment and repeated notifications.  This is confusing as a consumer.   On XX/XX/2019 I also received the attached letter and refund from Bank of America indicating the account was paid in full, in good standing, and a check for the difference between amount owed versus final in full payment.

Finally spoke to XXXX  in the DFS CEU onXX/XX/2019 who informed me the account was actually paid in full few days late (10-12 days depending on which date Bank of America recorded the final payment versus date received) and thus there is nothing he can do.

This is an outrage.  Bank of America received the payment in ample time to payoff the loan within any reasonable time parameter.  Given the amount of communications, assurances from multiple Auto Loan and Collections Service Reps, all of which are fully recorded and available to listen to, and the account track record, I take exception with Bank of America recorded this one late payment, especially given the account was paid in full, on my credit records.

I have also opened disputes with the 3 credit reporting agencies.  I will continue to dispute this matter until corrected.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - 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

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 2020-11-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a notification from Home Depot that I still owed {$340.00} out of {$390.00}, on my due date of today XXXX XX/XX/XXXX, After making two payments which processed, of {$350.00} on XXXX XX/XX/XXXX20 and {$50.00} on XXXX XX/XX/XXXX. My payment for the XXXX due date processed on XXXX XX/XX/XXXX and I was current on my payments. I spoke with the representative XXXX XXXX, who tried to give me some nonsense that the original XXXX did not go towards the XXXX payment even when the payment was made after the XXXX cycles due date. I am tired of these credit card companies, for these stores, playing games with peoples payments. Payments received after a due date should be posted for the next month 's due date.

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 2021-10-06
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an original amount owed to XXXX XXXX  was XXXX. The debt went into collection with me not having any knowledge of it. The collection company took control over the debt in the middle of the worse pandemic in our life time. Meanwhile, returning to work after being furloughed for almost a year. I notice the collection on my credit report. I reach out to XXXX  and paid the debt in full with the agreement that it would be deleted. The collection agency refuses to verify the debt. The collection agency refuses to verify with XXXX that the debt was paid in full. I spoke with XXXX ( operations supervisor ). He refused to acknowledge that the debt was in fact paid. Please look into my case and ensure that the collection agency are practicing fair according to the law. I am reaching out because I have done everything else to have them comply.

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 2023-08-30
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt doesn't belong to me I have already informed the company via email and it was reported on my consumer credit report all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was compromised will hospitalized. 

Now I just want to rectify the situation!

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 2022-10-24
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
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 XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX my daughter XXXX XXXX and I entered into a lease with Honda Financial Services a/k/a American Honda Finance ( " Honda '' ). My daughter XXXX XXXX took responsibility to send in the payments for the lease each month. The account fell into arrears since my daughter failed to pay the lease payments for XX/XX/XXXX and XX/XX/XXXX. Honda did not call me to tell me that payment was not received, Honda did not write to me to tell me that payment was not received and Honda repossessed the car before the XX/XX/XXXX lease payment was even due. 
Prior to the repossession, I am told by my daughter XXXX XXXX that she called Honda to ask for a little more time due to the financial difficulties of the pandemic and Honda agreed to allow for a bit more time. However, no one at Honda asked me for payment or gave me the opportunity to cure the default.

Upon repossession of the vehicle, I immediately called Honda and tried to pay the 2 missing payments, repossession fees and XXXX lease payment but was told that there was no way to pay and have the vehicle returned. 
My daughter XXXX detrimentally relied on Honda 's representation to her ( that Honda would extend more time before repossessing ) and as a result, she did not come to me for financial assistance.

Now Honda is demanding the entire amount due under the lease agreement and refuse to return the car for any amount less than over {$31000.00}. I was never provided with a notice of default. The letters are addressed only to my daughter XXXX until yesterday when I finally received a copy of the same " Notice of Intent to Sell Leased Vehicle '' that was mailed to my daughter XXXX dated XX/XX/XXXX. CFPB can see my financial obligation on my XXXX XXXX report but not on the Honda letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation