BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-20
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: Unable to receive car title or other problem after the loan is paid off

Complaint:
Acura Financial Services has never honored the original contract : it was an interest free loan yet mid-way into the contract I was charged interest ; I was told the additional coverage I purchased would extend the warranty to 130,000 miles to ensure I received the full 100,00-mile warranty, as the vehicle had 30,000 miles on it at purchase. XXXX XXXX at 100,000 miles forcing me to take a refund for my coverage in paid services on the vehicle at Acura. Acura found enough in repairs to ensure I received none of the refund in cash.
I have fulfilled my contractual responsibility to Acura financial services as it pertains to my XXXX XXXX XXXX, but I have yet to receive the owners registration ; Acura has continued to hold my pink slip XXXX, while illegally access the vehicles computer system manipulating and interfering with the vehicles performance by generating error code ( ALL CODES DIRECT YOU THE ACURA DEALERSHIP ) and added additional fees at the end of the contract, in an effort to extort additional monies ; this is extremely egregious and despicable behavior on the part of the lender.
I experienced a major reduction in income when my medical status changed in 2013 to XXXX, with a diagnosis of XXXX XXXX. Because of the reduction in income I incurred late payments ; even with my repeated explanations of my medical status and irregular XXXX disbursements to Acura representatives, Acura still actively embarked on a despicable and unlawful campaign of harassment and bulling via the manipulation of the computer system in my XXXX XXXX XXXX.
Acura persisted in a hostile position of aggressively manipulating the computer system on my XXXX XXXX with error messages, disruptions in the performance of the XXXX vehicle, disruptions in the functions of the various systems on the vehicle and harassment of friends, family, neighbors and myself with repeated activations of the loud security system during the very early hours in the morning and late night. This egregious, instructive behavior on the part of the Acura corp. under XXXX XXXX XXXX XXXX XXXX is complicit in manipulating the vehicles computer system, diminishing and/or damaging the vehicles performance, forcing unnecessary and burdensome repairs which generated revenue for the corporation and created a financial burden for this owner. Their action damage the battery, forcing the purchase of 4 batteries and resulting damage so extensive to the transmission I was forced to pay over 5,000.00 in repairs.
I have written letters and contacted the company via telephone in an effort to have them compensate me for the losses I incurred as a result of their unlawful behavior and the immediate release of the title to my car as I have fulfilled my contractual responsibility to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I initiated a call to The CBE group on XX/XX/XXXX. I spoke with a supervisor named XXXX. I was inquiring about paying a collection account in the amount of {$210.00} that we had just learned about from XXXX. We learned of this account from a mortgage company that we are working with to purchase a home. I explained to XXXX that I was willing to pay the account off if it would be deleted from our credit report. I was very clear with her that our mortgage company said that our loan would not go through underwriting unless this collection account was deleted. The mortgage company said that the loan could not go through if the account just showed paid. I asked XXXX on at least 3 separate occasions during this call if she could assure me that it would be deleted if we paid the account. She said that it would be deleted. I paid the account, she gave me a confirmation number and confirmed my email address so she could send a receipt. After waiting for the receipt to show up and it never did, I called The CBE Group back on XX/XX/XXXX. I spoke to a man named XXXX XXXX. I explained the situation to him and told him that I had never received a receipt and that our mortgage company was also requesting a letter of deletion so they could process our loan. He informed me that they did not provide letters of deletion and that the only thing that they could do was update the account on the credit report to show as paid. I explained to him again that the mortgage could not go through underwriting if the account just showed paid, it had to be deleted. He said that they never deleted only updated accounts. I told him that XXXX had promised me that if I paid with a credit card by phone on the day that I called in, that it would be deleted but it might take up to 30 days to show up. He agreed to listen to the phone conversation because all calls are recorded. After listening to the phone conversation he said that he thought that the process was not explained to me correctly and offered to refund the payment that I had made. I told him that I did not want the money back that I just wanted the account deleted so we could buy our home. He said there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VT
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:
My account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : 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 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 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 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 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 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 2022-07-06
Company: EQUIFAX, 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:
I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Chase bank has given me XXXX funds and california state controller stated my chase fund was deposited onto XXXX XXXX which is illegal.my business name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The inquires below are not mines and may have been used to commit fraud. 

XXXX XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXXXXXX Inquiry : XXXX  XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY The accounts below has been paid off since XX/XX/XXXX. 

1. XXXX Last reported XX/XX/XXXX {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I was removed from lease which relinquished my responsibility to the property. XXXX XXXX XXXX issued a debt collection- without notification of debt- in my name as well as the other party. I spoke with the management for the apartments and I was told that I should have not received a collection and that they would notify the collection agency. This was in XXXX. I have disputed the collection 3 times and it has been denied saying all information in correct. The collection agency is Quantum collections.

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 2022-07-06
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine & Weiner , Inc. is knowingly and wilfully denying my right to validate a debt and damaging my credit standing and reputation. Pursuant 15 USC 1692g ( a ) ( 4 ) Caine & Weiner , Inc. must ( 1. ) obtain a judgment or ( 2. ) provide verification of this alleged debt. I've asked for a full audit trail of this alleged account including a ledger and whether any insurance claims have been filed regarding this account by any creditor so that I could exercise my right to validate the alleged debt. VP Quality Assurance personnel, XXXX XXXX, admits that Caine & Weiner , Inc. " does not have access to a complete payment history '' of this alleged account. If Caine & Weiner does not have access to these important details, they can not speak to the alleged balance owed. Furthermore, Caine & Weiner XXXX Inc. holds that " the balance due is not owed to Caine & Weiner '' but have sent, via postal mail, multiple payment coupons directing payment and checks be made out to Caine & Weiner at XXXX XXXX XXXX XXXX XXXX, CA XXXX, which is false and misleading. Because Caine & Weiner has failed to comply with The Fair Debt Collections Practices Act after several attempts to resolve this matter, I am left to conclude that Caine & Weiner , Inc. has no legal right to collect this alleged debt. Because Caine & Weiner has no legal right to collect this alleged debt and has used my identifying information to create Account # XXXX without my consent, Caine & Weiner , Inc. has committed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: VA
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 U.S. Dept of EdXXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One refuses to remove late reports for 2 of my credit cards for the months of XX/XX/XXXX, and XX/XX/XXXX. They claim the reporting is accurate, and there 's absolutely nothing can be done on their end to rectify the problems. I 'm currently looking for a home mortgage and the late reports are affecting my credit report score badly its affecting the rates I 'm being offered. The problem with Capital One is that they are not willing to understand that I was moving from XXXX to XXXX XXXX in XX/XX/XXXX, and have proof of a lease signed for XX/XX/XXXX. I tried explaining to Capital One that we had issues with not receiving our statements during those months. They claim I was signed up for electronic statements for 1 of my accounts so I should have received my email. I searched my inbox. The first email statement I have from them was received on XX/XX/XXXX, thats about 4 months after they reported me late to the credit bureaus. So something does n't add up. They do n't want to comprehend that I was in the middle of a move, and that I simply did not receive my statements. Other then these 2 months, my accounts have been stellar with them. I added a screenshot of my XXXX address that is registered to Capital One cards. I have 21 emails from them when I search for the subject line and sender, " XXXXXXXXXXXX Your card statement is ready " The oldest email found dates to XX/XX/XXXX. They claim I was already signed up for Electronic Statements for at least 1 card. I may have been signed up but their system had only started emailing statements as of XX/XX/XXXX. Prior to that date, all statements were being received in paper. The card ending in XXXX was signed up for electronic statements from XX/XX/XXXX. So where are my email statements for card ending in XXXX from XX/XX/XXXX - XX/XX/XXXX??? That 's almost a whole year of statements that should have been received as well, that I have no email record of. My second card, the one ending in XXXX was not signed up electronic statements until AFTER both late payments were reported, on XX/XX/XXXX. I believe this was done after I realized the bill for these cards had not been received, and when I contacted the customer service dept, the rep noticed the lapse in the 1 card being signed up for electronic statements, the one ending in XXXX ... but not the one ending in XXXX So their facts just do n't add up, and they just expect me to believe whatever they say without showing factual proof. They just send a letter stating that the reporting is accurate. Here 's my proof, and I need your help to get them to stop reporting incorrectly the credit bureaus now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: SC
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/XXXX I drafted a Method Of Verification Request to the Credit Bureau Equifax, On XX/XX/XXXX the request was sent via certified mail, delivered on XX/XX/XXXX. The response I received on XX/XX/XXXX was that the information is verified as accurate, but no information on how they verified this account to be accurate was provided, that request has been completely ignored. The amount is {$140.00} line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX XXXX. I received a phone call from Wells Fargo that someones trying to take money out of my account. I spoke to a representative from Wells Fargo that tried to help me, but winded up transferring money with a wire transfer and a XXXX. I lost over {$8200.00}. I filed a claim on XX/XX/XXXX XXXX XXXX Theyve reached back to me And dismissed both of my claims and closed them. I havent gotten my money back either. Revived a letter dated XX/XX/XXXX, saying that my claim was dismissed for the XXXX transfer. Spoke to a woman named XXXX on XX/XX/XXXX XXXX about the letter and she told me that my case is still being looked into and that Ill get my {$3500.00} XXXX transfer back in 3 days. Which I have not received.

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