BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear  Sir/Madam : On   XXXX   XXXX   2017, m y car was involved in an accident and declared a total loss. I was fully insured plus had GAP to cover any difference.  <P/> At the time the car was declared a total loss, I was approximately 30 days late with the monthly payment.  On   XXXX   XXXX   2017, Honda Financial received {$19000.00} directly from the insurance company. Although they received this payment, they continued to consider my account late. This is a payment that I had to authorize to go directly to Honda Financial.   <P/>  On   XXXX   XXXX   2017, Honda Financial received {$6800.00} from GAP ; however, they still refuse to make my account current and on XX/XX/XXXX ass essed a {$10.00} late fee.  <P/>  Honda Financial is due one more payment from the car dealership to return the cost of the extended warranties, which I was told should be received by Honda Financial on or before   XXXX   XXXX   2017.   <P/> While I totally accept that I was approximately 30 days late when the car was declared a total loss, I am infuriated that  Honda Financial has received over {$25000.00} in payments ; yet refuse to make my account current. They expected m e to continue making monthly payments while having full knowledge that GAP and the warranty reimbursements would cover the total cost of the vehicle, minus my deductible.  <P/> Once the first payment from the insurance company was received, my account should have been made current with only the outstanding balance due.  <P/> What is even more outrageous is that the GAP and the warranties   are Honda products. Therefore, they would have had inside knowledge of the exact amounts being paid on the vehicle.
<P/>
My account is now beyond 60 days late due to this and will affect my credit.
<P/>
I want Honda Financi  al to bring my account current, plus remove the {$10.00} late pa
yment fee that was assessed on   XXXX   XXXX   2017. How can there be a late payment when over {$25000.00} was received from   XXXX   XXXX   2017 to   XXXX   XXXX   2017.    <P/> I feel like this is extortion and I would like this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: WA
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:
For the past several months I have been trying to get several fraudulent inquiries removed from my consumer credit reports held by Equifax and XXXX. I have sent in letters, made multiple phone calls, and filed FTC and CFPB reports and have yet to recieve the resolution I am due. In addition, they have placed unrequested fraud alerts on my reports as well. I do not want these on my consumer credit reports, did not authorize them and want them removed. 

Listed below are the fraudulent inquiries, and attached is the first FTC report i made which i was told was not sufficient, and a 2nd FTC report made recently. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SYNCHRONY FINANCIAL
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:
Major identity theft issues here in XXXX XXXX California USA USofNA pertaining to my personal legal/lawful identity that has always been and always will be lawfully/legally owned by myself personally that was originally established and originally created for myself legally/lawfully in real life and in my real life uncut and unedited original Federal documented films photos and audio as a real life Federal FBI CIA Agent and in my movies I never gave any lawful/legal permission to remake/duplicate at all.

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 2022-04-25
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 information incorrect

Complaint:
XXXX XXXXXXXX XXXX keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was trying to open a dispute with Chase Freedom credit card starting XX/XX/2018, the day I faxed a request to open a purchase dispute. On XX/XX/XXXX I was informed that the Chase didnt receive the fax, even though I have a proof that the fax has being received. The same day, the XX/XX/XXXX, I emailed via secure messages a request to open a dispute. On XX/XX/XXXX I received an email from Chase : We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that the dispute wasnt opened. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that no one was assigned to the dispute. It has been 25 days, and nothing has been done by the Chase credit card company. 
The item in dispute was received and signed for by the seller via XXXX XXXX on XX/XX/2018. 
I would like to resolve the dispute as soon as possible. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my job due to the pandemic. I was forced to file for bankruptcy because schools closed, and I could not work. Navy Federal did not take the time to talk to me or look at the entire picture before denying my loan application. I applied for a mortgage loan with Navy Federal Credit Union. Per my bankruptcy, I had to file for my credit card. However, before the pandemic, I had outstanding credit, and I never missed a payment with Navy Credit Union. In their denial letter, Navy Federal states the principal reason for my denial is " poor credit performance with Navy federal. '' They never mentioned my bankruptcy or poor payment history with any other creditor. I had a 100 percent perfect payment history for over ten years. I believe I'm being discriminated against because of my material status, and my income derives from a federal assistance program. I believe I qualify because I have a full-time job, my bankruptcy will be two years old on XX/XX/XXXX, and I've been preapproved by other companies. Also, this is a VA-backed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this 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 2022-09-12
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: FISERV INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX  years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! 
I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # 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 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I placed an order on Friday, XX/XX/2021 with XXXX. I received the order on Sunday, XX/XX/2021. On Monday, XX/XX/2021, the " XXXX XXXX XXXX XXXX XXXX '' that didn't meet my needs and wasn't what I expected, I made my mind up to return it. I logged into my XXXX account online to start a return. This is NOT the first time I have returned something to XXXX so I was very familiar with the steps. As I get to the last step, where it ask, " how would I like to return my purchase '', I checked the box for XXXX drop off. It refreshed and gave me an error message, stating to call this number XXXX and speak to a representative. I called the number but, it was one of the worst calls with trying to get directed to the correct representative. I finally got connected to a representative name XXXX. XXXX made it seem as though he was taking care of the return and that I should see a shipping label to my email address on file within 24 hours or more. I thanked him and ended the call. Something didn't feel right, I don't know why. On Tuesday, XX/XX/2021, I went to the XXXX website to see if there was another way to communicate with a representative and, there was, live chat. I was connected with a sweet, kind and very professional representative named, XXXX. I asked XXXX, if they could tell me about the return that I had started the night before by XXXX. XXXX asked for the order number, email address on the account and my billing zip code. I gave XXXX everything that was requested but, that's when I was told, that XXXX had not submitted a return for my order. I was not happy and very displeased with the service I had received in the last 24 hours. XXXX was very apologetic and was willing to make a bad situation better. After doing some steps on there end, I was reassured that the return was processed and that the shipping label would be sent to my email address with a 24 hour wait. So, I gave it all day Wednesday, XX/XX/2021 and nothing. Half of Thursday, XX/XX/XXXX, is done and still no shipping label. This is on my Walmart credit card and I don't like purchases sitting/idling on my bank card or credit card. I like to get the merchandise back to the company, where it's safe and sound and so it drops from my bill. I'm not happy and I'm using this word cautiously. This item is shipped from XXXX and NOT a vendor. I can see if this was a vendor that I had to wait for an approval, but it's not. This is absolutely absurd that I can not get a label to return this item. This should not be this hard. Even if the shipping label wasn't sent yet, I could get some form of confirmation to my email account stating that the return is in progress, you do not even get that. What is going on at XXXX and why can't I ship an item back to them for a refund? This is absurd and not the type of service I expected from XXXX, of all places.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : capital one auto fin XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-04-22
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I had less than XXXX $ unreported debt from my Credit Card with Chase last XXXX. I am stationed overseas so I wasn't aware of this debt since I know I settled my balance before leaving the country. I only found it out last XXXX since I notice the huge impact on my credit score ( went down from XXXX to XXXX XXXX. My wife went to the bank and the banker assisted her on refunding and waiving the Late Payment Fee because I am an XXXX XXXX Military. The banker also told her that my credit will be go back up in few weeks but it's not changing. Right now, we can't follow up with the bank because they close due to COVID19 so I called and they said I need to contact the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX from " recievable management partners llc '' calls me every day claiming they are a debt collection agency. When i call back, no one answers. I do not owe any money to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

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