BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX of XXXX I engaged in a traded in with my XXXX Honda Civic at XXXX XXXX, because the car battery continued to fail. I was told by the dealer that in order to trade in the car I would need to commit to a new car to receive financing. At the time of trade in I was told that there were no more comparable cars on the lot, so I choose to finance a Honda Accord. I was informed that the monthly payments would be XXXX due to my history and score which was a XXXX - XXXX at the time. Because I was dependent on a car for work and personal responsibilities, I agreed reluctantly to finance this amount. As I struggled to make the payments, I 'd had spoken to Honda Finance regarding lowering my payments but was informed that it could not be done at the time. After completing a XXXX XXXX XXXX at XXXX XXXX and performing my own research thereafter, I realize I was a victim of discrimination as an XXXX XXXX women being manipulated to pay unreasonable high interest rates on a Honda Accord over the course of 6 years. I 've been struggling for close to 4 years not realizing the extent of this violation against me and felt that I was obligated to pay this rate due to poor credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX Honda Odyssey from Honda Financial Services. I have sent them a promissory note for ocer of {$43000.00}. Now the company says they habe no record of my note and has not credited my account. I have had to result to pay with federal reserve notes instead. I am asking that since my promissory note was not returned within the alloted amount of time that my account be credited if the promissory note was was deposited and the debt should be dischsrged if the note is not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: TN
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:
This is my second complaint with Experian and XXXX on why these addresses that do not belong to me are reporting on my credit report. Experian is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and XXXX is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.

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 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, Trans Union, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: IQOR US INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My identity has been stolen. I 've gotten letters from XXXX saying I owe {$85.00}. I called XXXX and they said I do n't owe them anything, and I have n't been on there for awhile. My last letter was from a collection agency called Allied Interstate.they gave me 30 days to pay them, but I do n't owe XXXX. I called collection agency he answered Hello. That was not how you answer the phone as a collector. He was XXXX I barely could understand him. He had my address and he said " is your address right ''? he said is that a yes.? I hung up the phone. The number I called that was on the letter was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My first problem is bank of America. I was late or did not pay correct amount with my recent payment and the bank decreased my credit line down from {$10000.00} to the current balance causing me a problem with paying a repair bill. This is the first time being late or what excuse they want to say. what ever happened to grace periods for payments? 
This happened on Monday XX/XX/22 when I tried to pay for a car repair and was declined. I then checked my account and found that the bank had lowered my credit with no warning and did not get advised until XX/XX/22. This should not happen the first a mistake is made it should when payments are behind more then 3 or more times people are fallen on hard times these days.

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not authorize XXXX checking my credit, I have had an account with them for some time and recently received information from them stating that my credit limit had been raised. I placed an order on XXXX XXXX, 2017 as a XXXX gift. I was charged in addition for the merchandise, {$41.00} for expedited shipping. The merchandise was never received, I noticed last week that they had checked my credit. I monitor this report frequently and did not authorize anyone to check my credit. I spoke with them today and they told me I had to call back to cancel the order because it had shipped today. I sent them an email on XXXX XXXX cancelling the order because it did not arrive on time. I called today to cancel the order again when I was notified it had shipped today. They told me there was nothing they could do and I should wait a few days and call back when the order was delivered. The persons I sent the order to will not be at the address any longer so I do n't want anyone else getting this merchandise. They told me today that the reason it was late was because they had to check my credit. I did not authorize this and would have paid for this order rather than have a hard hit on my credit report.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXXXXXX XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX XXXXXXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, Trans Union, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, 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 2022-04-15
Company: The Receivable Management Services LLC
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:
On XXXX XXXX Receivable Management added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verity this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Receivable Management has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2017-01-14
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NV
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 contacted the 3 bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this ccs collection agency regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

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 2016-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since our initial complaint # XXXX has not been resolved by Tiaa, we are making a second complaint. Tiaa will not remove their forced insurance and saying that we are seven months in delinguency. Our insurance, XXXX and we have sent Tiaa our policy and renewal several times and at Tiaa 's request XXXX and we have sent the complete payment schedule to Tiaa. With no response, we called after a week and they said they were working on it. Since, XXXX  of this yea, r this has always been their response and this working on it, is their code word- we have trashed it. At Tiaa 's request the U.S. District Judge of the XXXX District of Georgia 's bankruptcy court ordered us to make a monthly payment to Tiaa. In XXXX, XXXX and XXXX of this year, Tiaa ordered us not to make this payment along with our morrgage payment - going against the U.S. Judge 's order. Around XXXX XX/XX/15 we received a statement from Tiaa stating that we were delinquent and behind 7 months and that our next payment has to include an insurance mayment. Tiaa will probably block our XXXX payment. We ask that Tiaa remove this illegal, illicity forced insurance, not in a month, or several month, but at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I signed up for a program with Synchrony Bank. Phone number XXXX. 
The program gave me six months with zero interest. The amount I borrowed was {$990.00}. 
I went to pay my bill today, and the bill I was presented with was {$1000.00}. 
Today is XXXX. The loan was taken on XXXX. This means their salesmen are sorely untrained and not properly educated as to their sales practices, or it is highway robbery committed against my person. This can not stand. They can not steal from their customers like this. Refund my unjust interest!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Allied Interstate is reporting a {$370.00} XXXX bill with all XXXX credit bureaus. I called XXXX on XXXX/XXXX/15 and spoke with XXXX at XXXX CST. He advised that XXXX does not have validation to send me & that I would have to contact XXXX for that. I spoke with XXXX at XXXX & he stated that I do n't have an outstanding account or balance with them. I 'm curious as to how this debt is validated as mine. Furthermore, I have never received a notification via phone or mail of them attempting to collect a debt from me. I also was not given a chance to dispute this debt. They have made no attempt whatsoever to try and contact me. this is in direct violation of the FCRA. No collection company should be able to take it upon themselves to just report on a consumers credit report. I want this debt validated that it belongs to me or deleted from all XXXX of my credit reports. I am also filing a complaint with the States Attorney 's office regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: Rushmore Service Center, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They have big problems you can not call Phone number goes to a Phone solicitor Fraud System Try it you'll like it General account information 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 2022-04-15
Company: ALLY FINANCIAL INC.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS/XXXXBANK 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 2020-04-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 i contacted rushmore financial several times an talked to personnel about obtaining my mortgage payoff and escrow payoff and was told multiple times that they would not give it to me because they had issued it in the mail already and were not required to do so after i told them what the purpose i needed for was to refinance my home they still refused.

Company response to consumer: Closed with explanation