BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
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: Information belongs to someone else

Complaint:
There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX. Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with no XXXX. 
Please help Thank you

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 2022-10-03
Company: AMERICAN HONDA FINANCE CORP
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: Information is missing that should be on the report

Complaint:
I completed ( paid off ) a vehicle loan with Honda financial services in XXXX of XXXX. As of XXXX of XXXX  until current the loan or vehicle or payment history has not been reported to my credit. The company admitted on a recorded line and via email communication that the vehicle/loan was removed due to covid relief without my knowledge or permission. I did inquire, ask or request for these actions to be taken. As a result the item was never reinstated on my credit. Ive been following up with the company since XX/XX/2022 yet this situation has still not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to a clerical error at the mortgage company they added condo insurance on my single family home which already had the proper insurance. It took me over a month of phone calls, emails and faxes to finally find someone to fix their error. Meanwhile they have harassed me with repeated phone calls insisting I owe them an additional {$240.00} with a late charge. They have even sent an updated payment booklet with the corrected amount of {$1100.00} for every month in XXXX that was sent on XX/XX/XXXX. I pay {$1200.00}. every month. I have explained the situation to their collections department and they insist I must pay this debt for the XX/XX/XXXX payment. Their mistake that has been corrected by their insurance department but I am expected to pay? Please makes them cease and desist. It is not my debt and they need to fix my account and records. I do not want a blemish on my credit due to their error and inability to communicate between their departments. I hope you will be able to help. Thank you.

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 2022-05-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Truist created seperate loan payment account on my HELOC after transferring from Suntrust. They began applying payments improperly not subtracting from the interest bearing account. I called to have them apply payment correctly and they made it worse. I then paid off the balance, more than owed, creating a negative balance of {$400.00} in repayment account and a total negative balance of over {$200.00}. I called to have it corrected and account closed. After a month, they just removed the {$400.00} again leaving the account with a loan balance of {$100.00}.

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 2016-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.

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 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need 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 explanation
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: OH
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:
A unauthorized charge occurred on my Best Buy Citi Credit Card of {$210.00}. I called to get this fixed and they stated a refund for that amount will occur and it will take 30 days. After 30 days the refund came however a late/interest charge of {$2.00} came onto the account. I called again and they stated this will be refunded as well and it will take 30 days. AGAIN, another charge came before this one was removed totaling {$4.00} and then a missing payment was initiated on my credit report ( Never missed a payment in my life ). Once I talked with Best Buy again they settled the outstanding balance and they submitted a dispute to their internal credit bureau to get the missing payment removed. I then received a letter in the mail stating that the missing charge was correct and that the missing payment will stay on the report. I tried disputing using XXXX and XXXX with no luck as they came back with that the late payment is correct and will remain on the account. This has been going on over 7 months now and is affecting my ability to fund our wedding now. I need 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 monetary relief
Consumer complaint received 2015-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Financial Asset Management Systems has been calling me non stop from about 15 different numbers for over a week. They did not leave one voicemail when they would call 4-5 times a day, so I believed they were spam or fraud. I JUST got a letter in the mail from them today, and the number on the letter is NOT one of the numbers they called me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Someone from XXXX used my information to open an account with XXXX. The dispute was resolved but now an incorrect address from XXXX is on my profile. I have never lived in XXXX. I need it removed.

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 2015-12-19
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: UT
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 aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them 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 2017-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
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:
NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX/XXXX/2015Business TypeFinance Companies- non specific

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke with a representative around XXXX and asked that they only contact me via mail with the address they have on file for me. I have blocked the number they were previously calling me from and they continue to call me from Unknown numbers. The most recent voicemail I have from them is dated XX/XX/2022 from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Transunion about items that they have listed on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. They have not produced any original signed copies of any on the accounts. When a consumer request for verification of proof of signed documents the credit beaus are to product this information. I do not have any business nor accounts with those creditors

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 2015-11-28
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation