BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: AMERICAN HONDA FINANCE CORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter from Honda Financial regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with HF that they sent the report to XXXX  on XX/XX/XXXX. In the letter attached, it clearly states that HF is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my experian.com account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that XXXX  and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called XXXX  on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that Honda Financial did not send them any information to clear up my records. I went on for 6 1/2 hours going back and forth with HF and XXXX! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with Honda Financial. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to XXXX  today. The agent informed me to reference this number when I called XXXX. Again, once I spoke with the agent from XXXX, he would not accept, confirm or deny the AUD # and continued to direct me to contact Honda Financial to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: International Computer Systems, Inc.
State: MO
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 been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I had exactly {$130.00} on my Amex BlueBird card. On XXXX XXXX, someone at a XXXX Ive never been to charged or pulled cash off my card for {$130.00} leaving the balance at XXXX. 

This was definitely not my charge. I was shocked to see the balance go to XXXX. I wonder if an employee of XXXX stole the card number from the records. 

In any event, there should be a pattern because they wouldnt just steal from me. Are there other thefts from Blue Bird that fit this pattern? Exact balance? From XXXX who just so happens to be the vendor who XXXX XXXX uses to re-charge cards? 

Im happy to visit with someone, take a polygraph test, etc. My request is that American Express credit back the {$130.00} that was stolen from me using their card and their vendor. 

I have contacted American Express 4 times and they keep saying it was my charge. I would like the CFPB to investigate or the FTC to investigate American Express because they do not care if XXXX or others steal people 's money. I believe this could be a part of a wider scheme and a pattern is there at this store in particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed 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 explanation
Consumer complaint received 2020-05-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have reached out numerous times asking for copies of every statement since Navient took over my student loan. They only keep a years worth of statements. Despite asking numerous times, I still haven't received them. When I ask Navient about my statements, they either lie to me and say they will send them or lately, they just don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: GA
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 went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report 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 2022-08-10
Company: EQUIFAX, INC.
State: MS
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 XXXX, I sent dispute letters to XXXX, Equifax, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for Equifax, and I need assistance in this matter.I will attach copies of the letters below for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2022-08-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXXXXXX

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 2021-04-09
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Use Citibank bill pay to pay rent each month, in which {$4000.00} is deducted from my account, and Citi mails a check. The XXXX check was never received by recipient. In XXXX, requested a reissue. 
On XX/XX/XXXX, bank credited my account for XXXX check ( paymentXXXX ), but rather than issue one new check for {$4000.00}, it issued two checks, reducing my account by {$8000.00}. 
I notified bank using online chat of the issues on XX/XX/XXXX. I was advised they would credit my account by XX/XX/XXXX, so long as check wasnt cashed. 
It is XX/XX/XXXX today, my landlord returned the physical check to me ( # XXXX, check # XXXX ), thus confirming its not cashed. 
Citi have still not made my account whole, which means my payments from my account will default from today. On advising Citi that they need to find a resolution to ensure Im not penalized for their error, they advised they will provide no assistance. 
Im still missing my {$4000.00}.

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 2020-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was compromised. I received notification from all three credit bureau indicating that my personal information had been compromised. There were accounts that were not paid with that showed up as collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquiry : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX JXXXX 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 2019-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt collection company and I understand that I owe the debt but I refuse to be harassed and contacted everyday including Saturday 's and Sundays. I receive two to three calls a day from different phone numbers but from the same company, Portfolio Recovery. I'm receiving XXXX for XXXX and XXXX and this company have me in tears some days because I know it's them and I've even received calls before XXXX from local numbers pretending to be someone else. I have even read reviews from other consumers and they have all said the same thing, they are being harassed as well and they are a nuisance. Blocking them doesn't work because they just call from another number. Between the months of XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery has called me from 10 different numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX  ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Equifax online dispute process has a known issue with consumer access to dispute results and experiencing " Technical Difficulties '' I tried multiple times to access my dispute results online but the system is not working. I tried calling an agent but Equifax was having computer outages. I requested a callback but Equifax could not verify the number they would be calling from, saying it would be a private number that returned my call. I requested my Equifax credit report on XX/XX/19 along with XXXX  and XXXX through XXXX XXXX @ XXXX. I have received both XXXX   and XXXX report in a timely manner but Equifax has not sent my credit report. Additionally, I have requested the dispute through mail on XX/XX/19 but have not received it. On XX/XX/19 I was informed through an online chat with Equifax representative I only have 30 days from the date of the dispute results to reply with additional information. The dispute results were completed on XX/XX/19. I have neither a copy of my Equifax Credit File or the dispute results. The option of reviewing my credit file with an Equifax representative telling me what is on the file by phone is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Opened XX/XX/XXXX Account # XXXX Credit Limit {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$300.00} XXXX XXXX Bank Opened XX/XX/XXXX Account XXXX XXXX Credit Limit {$500.00} XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX By Opened XXXX, XXXX XXXX Original Balance : {$350.00} 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 2020-08-21
Company: Commercial Acceptance Company
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For several months now, I have been receiving harassing phone calls and collection notices from a collection agency named Commercial Acceptance Company, in regards to a debt that's owed to a fire station in the state of DE. I am quite aware of the debt, and it was included in a Chapter XXXX bankruptcy that was filed a year ago. I have told the collection agency this several times. I have also given them the name of my attorney, and the number to the bankruptcy trustee ; but for some reason they continue to harass me directly. Bankruptcy law is supposed to protect individuals from harassing collection agents. I included the debt in my structured repayment plan ; however this collection agency believes that they can operate outside the bounds of federal law. I am attaching a copy of the latest threatening collection letter I have received from Commercial Acceptance Company. It will be the first page of my attachment. You can clearly see their latest letter is dated XX/XX/XXXX. The rest of the attachment is my bankruptcy filing paperwork from XX/XX/XXXX. If you look at page 5 of the list of creditors, you'll find XXXX XXXXe XXXX XXXX  XXXX as the 5th creditor from the bottom. That is the original creditor that Commerical Acceptance Company claims to be collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
XXXX XXXX XXXX account was open by someone who lived at a address at XXXX XXXX XXXX XXXX, FL I never lived at this address this address was not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: MS
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:
In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Constantly calling my personal phone 20 times A day and then calling my job 3 times in an hour XX/XX/18 XXXX and XXXX XXXX from this number XXXX

Company response to consumer: Closed with non-monetary relief