BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
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:
AMERICAN HONDA FINANCE IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES 5 LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL 3 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

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 2018-02-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Most of the problem is explained in the enclosed letter, but the woman that I talked to at the consumer protection bureau said I could ask to have the escrow waved since I am having so much trouble with it. 

I would rather pay my own taxes and insurance myself and save the hassle of the bank paying it for me! 

The only thing that Wells Fargo paid for me in XX/XX/XXXX was my property tax, I paid for my XX/XX/XXXX Home Insurance myself.If you'll notice from XX/XX/XXXX to XX/XX/XXXX they had me in a shortage of XXXX from lender placed insurance that they placed on me in XX/XX/XXXX, but I had insurance in XX/XX/XXXX that I paid for myself.I told them this and they acknowledged that I had insurance in XX/XX/XXXX, but somehow I don't think they wiped out that shortage off my records.I think they made a mistake and they don't want to correct it.You will find this in the bank explanation letter.I want to know why I started out with a shortage of XXXX in XX/XX/XXXX. I want to know where they came up with that amount.

I just went to an accountant and she told me that the {$2300.00} in the XX/XX/XXXX statement was interest accrued on the XX/XX/XXXX lender placed insurance that Wells Fargo put on me and dos n't want to fix. So I think that's where the mistaken was made.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Looking at my credit report the last update for XXXX comunity was XX/XX/2022 and the balance is wrong and this XXXX please update this I am trying to buy a house

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : 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 non-monetary relief
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. XXXX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on XXXX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image aa : is the non working XXXX online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and trans union as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( Transunion, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( Transunion ) Incorrect Names : XXXX ( Transunion ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct 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 2021-06-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've called on numerous occasion to get details on getting my loan discharged due to the misrepresentation/deceit/fraudulent activities from XXXX XXXX who faced massive lawsuits and {>= $1,000,000} settlement in response to their violations for committing illegal behaviors. I'm totally aware that I'm not the only person who was impacted by XXXX XXXX deceptive marketing practices, there are thousands of other students just like me whom need assistance too. XXXX XXXX violated some Federal, State or Local Laws directly against me, by lying to me, making false promises, and committed fraud. I attended there in XXXX I told them I wasn't being hired on the program I attended, I was told I needed to get under another program in order to obtain the correct job. I exhausted my Military G.I. Bill in hopes of a better of life. Even after the government discharged federal student loans and found XXXX XXXX guilty of fraud. I'm still continue making payments to Navient. I would like these loans discharged. In XX/XX/2020, CFPB reached another settlement, requiring XXXX to forgive {$330.00} XXXX in outstanding student loan balances. In total, XXXX XXXX has erased more than {$500.00} XXXX in private student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a Capital One Credit Card # XXXX. I called Capital One and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called Capital One back on the automatic call line using that number. It transferred me to an attorneys office : XXXX XXXX XXXX, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-06-28
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Regarding : Account number XXXX Collection opened XX/XX/2020 Account type Collection The account is in litigation please remove it immediately. 
no proof of having applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Synchrony Bank Amazon Store Card, on XX/XX/XXXX, the card was closed by Synchrony for no reason and no contact before the decision. I used the card frequently, and never missed asingle payment. When I called to Synchrony, the rep said the decision was made after they checked my credit report, and found I was kind of a risky customer, but at that time, I had {$4200.00} credit ( negative balance ) on my account. And I didn't get Synchrony permission to check my credit report after the card opening. I am 100 % good card user. Synchrony says they can " Per the terms of your account agreements, we may close your accounts at any time. '' But no reason was provided! No customer rights were respected and protected

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 2021-06-28
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi This is regarding mortgage # XXXX I refinanced with Amerisave mortgage company in XX/XX/XXXX. 
I had an insurance policy in effect XX/XX/XXXX - XX/XX/XXXX That policy included named wind/storm coverage with 1 % = {$2800.00} deductible. 
That was written clearly and I highlighted that in red. 
I changed the insurance company and had new policy effective XX/XX/XXXX - XX/XX/XXXX, which is currently in effect. 
I pay mortgage payments monthly in time. 
Late XXXX ( after the policy expired and had the new one in place ) Amerisave emailed me that the expired policy didnt have wind/storm coverage, I called and emailed and mailed them copies showing that it had coverage, no one wanted to understands or tried to understand, they reacted like machines. 
I called the previous insurance company to explain that the policy had that coverage, they told me that the policy was already expired and they didnt have it, since I moved to another insurance company. 
In XX/XX/XXXX Amerisave told me that they are going to pay {$1100.00} for coverage from the refinance date XX/XX/XXXX till the newer policy effective date XX/XX/XXXX Still I pay my regular mortgage payments in time as usual. 
Now, how come to pay for insurance that expired the year before? 
Insurance is paid as every one knows, in advance, How come they discovered that the OLD EXPIRED policy had no coverage after expiration. 
Either their employees dont want to listen, read and understand, or the company wants to steel my money. 
If what they claim was right, they should have fixed that during the refinance process not a year later, right

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a customer of XXXX XXXX XXXX. They merged with XXXX XXXX and had me sign up for their new program which " would save me money ''. I signed up and the billing had been inaccurate for months. I finally disconnected their services and sent all equipment back to the company as they indicated. After receiving a large bill indicating a substantial balance was due, I called the company and they indicated that there was an issue with billing as the services were still billed under each company separately but only one invoice was sent out on behalf of both companies. After spending 3 hours on the phone with multiple representatives, the issue was resolved. A month later I received a letter in the mail indicating I was owed a balance of {$74.00}. I have since received that letter every month for the months of XXXX, XXXX and XXXX stating the company still owes ME money but they have not issued the reimbursement to date. In XXXX, I received a letter from the collection agency XXXX XXXX on XX/XX/18 claiming that I owe an amount of {$210.00}. I contacted their company to tell them this is incorrect and XXXX XXXX XXXX XXXX actually owes me money. Their representative started laughing and stated that I was incorrect and their documents do not lie. I told him I would submit the paperwork and he said it did not matter and I had to pay the entire balance due. XXXX XXXX XXXX has made a negative report on my credit which has impacted my score substantially and they have now turned a false balance to a collection company who continues to call and send letters demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: IL
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 letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to marital problems, we have applied for a short sale with Chase bank. I also have an attorney who was retained to help with foreclosure defense. Because of this, Chase will not allow the mitigation company who is negotiating the short sale to discuss the account, even though I have signed an authorization and my attorney has also sent a written, signed letter verifying that they are authorized. Chase has promised the negotiators on more than 15 occasions that they will get a call back from the appropriate department, and no one has ever called them. Since XX/XX/2017 I have submitted 2 different complete applications for assistance and have not once receive a response from Chase. We have gotten their foreclosure attorney involved as well and they have not been any assistance in seeing why Chase will not communicate with anyone about the short sale specifically. I am afraid that I am not getting a good chance at avoiding the foreclosure and we have had a viable offer on this home since XX/XX/2017!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

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