BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Honda Financial has not lived up to their promises. They promised me in XXXX 2015 to change the due date to XX/XX/XXXX and they still have n't done this. There have been issues with Honda and electronic glitches causing harm to me and my credit. XXXX threatened me and said that I need to start cleaning my car because it 's going to get repossessed tomorrow. Honda gave me my account number over the phone and my Mom made the last payment. It has been two weeks and the payment has not been credited yet. I should n't be in repo status and XXXX had no right to harass me. When I requested to speak with a supervisor, she did n't let me until after four times. XXXX was professional. Please help because I should n't be threatened and she 's on tape. The other representatives are kind, however, XXXX made me scared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: U.S. BANCORP
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just made my XXXX payment on my ELAN XXXX card. I was surprised that the minimum payment due was so high. I checked the back of my most recent statement and found that the interest rates had been increased. I did not receive any notice of this increase. I have ALWAYS made my payments on time and for at least the minimum amount. I stopped using this card over one year ago in response to a notification of an unacceptable rate increase, and have been making payments over the minimum amount ever since to avoid any increase in interest. I believe this arbitrary increase without notification is opportunistic and punitive.

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 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? 

The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.

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 monetary relief
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Data on my XXXX report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.

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 2022-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On or around XX/XX/XXXX Equifax received a written request from me to delete inquiries from my consumer report that I do not recognize. As of today they are refusing to remove them. This is very disappointing being that they are allowing unauthorized information to be reported and it is negatively impacting my credit score. And they are also negligently enabling identity fraud. 

This is a serious breach of my right to privacy. I am again requesting Equiax to remove the below inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report as being reported on the dates above. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). 

If Equifax refuses to delete the above inquiries from my credit report, I will be seeking {$1000.00} per violation for their negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, I file a complaint with the Consumer Financial Protection Bureau ( Complaint Number XXXX ) concerning my closed credit card account with Capital One Bank. On XX/XX/2020, XXXX XXXX notified me that Capital One filed a negative report with XXXX and has reported me to a collections agency. Today 's date, I filed a dispute with XXXX. 

Rather than trying to resolve my dispute, Capital One has taken adverse action against my credit rating in retaliation for the complaint I filed with the Consumer Financial Protection Bureau on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I bought home in XXXX, Georgia using the VA loan for {$340000.00}, meaning my VA entitlement used was {$87000.00}. I foreclosed on the home in XX/XX/XXXX. I did not receive a notice of foreclosure or they did not contact me at about when the home is going into foreclosure. After foreclosure, my existing balance was {$340000.00} and the home was sold at auction for {$290000.00}. The outstanding balance was {$51000.00}. Mr. Cooper keep all of the {$87000.00} of my VA entitlement instead of just subtracting what they were owed. I asked Mr. Cooper to give me detailed report of all charges that were made but they gave documents that are not detailed at all. I have tried to contact Mr. Cooper on several occasions about this issue but there has been no resolution. This has caused tremendous stress and pain me and my family. I have fought for this country for this benefit and this lender can just take it away. That is unacceptable and flat out wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
YOUR ABOVE SELECTION CHOICES DID NOT PRETAIN TO MY PROBLEM SO I SELECTED THE CLOSEST SO I COULD PROCEED WITH MY COMPLAINT Sick and tired of my local wells Fargo ATM not being properly maintained and serviced, I have filed several complaints about this but no one makes the bank properly service their machine located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Last night and again tonight I arrived at the atm with a lot of cash that I do not want to carry around. Its potentially dangerous. The machine states it is " currently not accepting deposits '' This has occurred numerous times in the past as well as the machine not being able to transact any business. Also the machine continually rejects perfectly good bills and deposits must be done multiple times. 

They can solve this problem by putting in a modern machine but obviously they choose not to and instead inconvenience the customer. 

I would like a copy of the service records for this machine so I may provide it to my elected Federal Representatives. I'm sick and tired of being inconvenienced and wont take it anymore. They have my money in their bank and pay nothing for it, they are not required to provide basic service to the customer.

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 2015-11-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX 2014 I cancel and paid the balance on my account withcable company XXXX turn in all their device .I was contacted bydebt collection company saying I owed this company money for months of XXXX and XXXX all the way till XXXX how can they claim for money owed on service I never received. remember XXXX my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information 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 2017-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 
Account in question : University XXXX ( 7 years old from what experians reporting is ) ( this dirty university will not respond to me ... how is this allowed when bureaus claim they talked to them )

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 2016-12-21
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: STATE FARM BANK, FSB
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name use to be XXXX XXXX and due to the fact another XXXX XXXX lives in my town I had it changed to XXXX XXXX. My information gets messed up with this other person 's all the time or that's what I'm guessing. 
I went to get a Driver 's License ( never had one ) and was told I couldn't because I owed debt through the Court. This was shocking because I went there prior to ensure I owed nothing and was told I didn't and I was good to go get a DL. 
I called the XXXX  , Inc on XX/XX/XXXX to find out they say I owe over a XXXX for citations/fines from XXXX and XXXX and a medical bill. I have a XXXX XXXX XXXX so that does muddle things but I know I never received any information in regards to these debts. I requested information and Debt Validation Letter and got nothing. 
On XX/XX/XXXX I sent XXXX  , Inc a Letter requesting information to verify the debt and when they sent the Debt Validation Letter. I also submitted a XXXX  XXXX XXXX XXXX form for Debt XXXX requesting information so it was very formal ( I have all copies needed ). They sent me back 2 packets. One for a XXXX ticket and XXXX a XXXX ticket. Neither packet shows my signature anywhere and the address for the Court are wrong or just missing ( XXXX XXXX XXXX then no numbers for where it was mailed ). The individuals name is not spelt like mine and most copies are to hard to make out. There was a bill on top stating the amount and that was it. No Debt Validation Letter, where they sent it, when they talked to me, anything about a medical center... nothing. 

Today I wrote up another letter clarifying that individual is not me, there are no signatures, I did not get told I owed any of this in a timely manner which would have allowed me to properly PROVE it's inaccurate. It is XXXX, who has proof of NOT getting citations from 9 years ago, the Court doesn't even have them, but they refuse to remove it from collections and collections won't send me anything useful to verify the debt.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-08-30
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Refer to my complaint number XXXX. 

Reason I am sending this contact, and I ca n't determine what my password is so did not contact using that, is that Lending Club will utilize the delay, caused by their refusal to take my payments and insistence that we essentially set up a dishonest representation for their record as to call in payments being purportedly efforts by them to collect on a debt when they are in fact efforts by me to make regular monthly payments, as an excuse to bill me a late fee. So this delay caused by them is to enable them to bill a late fee. Please keep that in mind in addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Marlette Funding, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was given a of {$10000.00} from Best Egg financial institution. They deducted {$500.00} and deposited {$9500.00} into my account. My monthly installment payment are {$300.00}. I just realized the interest alone is {$250.00} from the {$300.00}. That means am only paying {$48.00} a month? That is outrageous, can you please help me I was not told read from any where that was going to be the rest. Am a senior citizen XXXX will retire next year, I can not survive on such a huge amount of interest rest. Please can you help me out. I know there is something wrong here. After 5year I will about {$20000.00} HELP ME PLEASE

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information 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 non-monetary relief
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is refusing to remove accounts that do n't belong to me, they 're refusing to remove fraudulent inquiries, and they wo n't accept my identity theft police report through their upload page.

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