BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: College Assist
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.

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 2015-04-13
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This is a joint account that I have with my daughter XXXX XXXX. I was going through a lease extension and was denied making any further payments until the lease paperwork was processed. I sent in the signed lease extension along with my payment before the due date indicated. There is currently a XXXX balance on my account. I am erroneously being reported as having a late payment when I was renewing my lease agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to handle this with Medical Data Systems on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 15 calendar days will be constituted as your acceptance that this debt is not valid. 

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: PA
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 inquiries on my report that are not mine, I am attaching a FTC/Police report. With proof of my identity, please remove these inquiries right away. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of the collections reported on my credit report. I lost my wallet and someone used my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Medical Data Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They continue to call and harass me at work and have called my manager.

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 2017-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
I PURCHASED A MOTORCYCLE TIRE AND FINANCED IT THROUH AFFIRM IN EARLY 2021. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. AFFIRM SUBSEQUENTLY NOTIFIED XXXX THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. 

IF PAYMENTS WERE MISSED OR WERE LATE AFFIRM IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. XXXX HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. AFFIRM TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2017-04-29
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.

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 2016-08-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions

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 2016-02-25
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This problem begins with a *non-driver fault* failure of several components on a brand new leased Honda Crosstour EX-L which resulted in a 5 day stay at my dealer 's shop. 

This also followed a former 3 day stay at the dealer for a XXXX AirBag recall, and a 1 day stay for failure of center console latch and driver 's side door panel. This car has approx XXXX miles on it. ( This complaint wo n't even XXXX with the three day stay. ) During this latest incident, of " 5 Day Stay At Dealer '' I had to get a rental car and had to pay the gap insurance on it and the gasoline as well. After all Monday Through Friday without a car is tough. 

With the above said, I 've also ( additionally ) spent many hours the past two months trying to get payments posted on Honda Financial Services site, or figure out WHERE my payments went. Thousands of others are also dealing with that as well. 

*** This is n't how driving a Honda used to be. *** BUT WAIT, IT GETS WORSE ... 

I contacted Honda Financial Services to simply inquire about pro-rating the days out of my monthly payment during my most recent 5 day car-less period. I mean why pay a full month on a leased {$38000.00} automobile when a month is 25 days? I was n't sure they could do anything, and doubted it even, but I thought it would n't hurt to ask. 

The prorated amount is a measly {$60.00} ( 5 days worth of the month 's lease payment. ) XXXX has 29 days this year, for those checking my math. 

- I did n't ask for XXXX insurance reimbursal - I did n't ask for gas reimbursal - I tried to contact HFS MANY times, " All Circuits Busy, '' long hold times. 

I finally got thru and INQUIRED as to whether a pro-rate was something that could be done to make amends for a leased car that is sitting at the dealer, unable to be used. 

The Response? 

Honda Financial was WAY more concerned that I was potentially recording the call, even though they were recording mine. I was hung up on once, and only after agreeing to not record them I was then told there was nothing they could do, as they recorded me. 

The representatives are nasty, the do n't represent the Honda brand I once held highly. 

Look, this is n't a driver-caused problem. This is a customer forcing a business to treat all customers at least with RESPECT. 

Honda is having quality issues, specifically with Accords and Crosstour 's electrical components. Honda Financial Services is also having electrical problems it seems too ... as no one can post payments or get thru. 

I 've leased cars from other companies that would have gladly helped - they 'd given a demo car to drive, they 'd re-imburse, etc. It amazes me that car brand like Honda has de-evolved like this. 

In the end, Honda 's quality will be fine ... it is Honda Financial Services that may end up bringing Honda sales down as word spreads on social media. 

DO NOT LEASE FROM HONDA - GO TO YOUR BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: AMERICAN HONDA FINANCE CORP
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
so I went to trade in my car at a dealership when they got my info from my bankruptcy they told me I have n't made a payment since XXXX 2013 when I filed my bankruptcy. I told them I have been making my payments all along. that 's when they showed me my info on my bankruptcy and it showed only XXXX or XXXX payments. so they had to add all the obsolete payments up and add it to the price of the vehicle I was going to buy. and it came back that my monthly payment would have been {$950.00} a month. I laughed at them and said no thanks. I do n't think Honda financial should be able to hold all my payments from my credit report. it was killing my credit and also my car was n't even include in my bankruptcy in the XXXX place. I was on a 3 year plan to pay my bankruptcy off and I was told by Honda financial that they would n't put all my payment on to my credit report till it was all paid off. so now I cant trade my car in until all this is straightened out. what a big pain XXXX this has been. got to love the banking system!! not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-12-17
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by Wells Fargo via email on XX/XX/21 that I had incurred an NSF fee in my XXXX  checking account because my XXXX mortgage payment increased without my prior knowledge. I contacted XXXX to try and understand the issue and get the NSF reversed. I first contacted the XXXX number and the employee did reverse the NSF fee because of the situation but could not help me with the mortgage issue so she transferred me to another XXXX employee. They had mailed me my annual escrow analysis statement back in XXXX, but it did not arrive. I understand because its the USPS and not very reliable. 
The mortgage employee explained that my payment increased because of an increase in taxes and this caused my payment and additional principal payment to increase. She would place a work order to change the payment amount and principal payment amount to correct this issue for XXXX going forward. I asked what about my XXXX payment and she said she would place a note to correct the XXXX payment too. 
I later received another email on XX/XX/21 because the payment was tried again and the work order was not fulfilled. 
I contacted XXXX  mortgage again on XX/XX/21 and was told the work order will not take care of the XXXX payment but will take care of the XXXX payment going forward. I was transferred to a mortgage supervisor who told me I had to talk to my checking account financial intuition ( which is XXXX ) to place a stop payment so XXXX mortgage will stop trying to pull my mortgage payment. I was transferred to the personal banker line of XXXX ( after sitting on hold for some time ) who said he couldn't do it but would transfer me to someone who could. The next XXXX employee told me she couldnt do it. She worked in the background figuring out what to do for another 20-30 minutes while i waited, she finally transferred me back to XXXX  mortgage who told me the same thing i was already told earlier. In total, I was on the phone for a total of 1 hour and 13 minutes and the final guidance i was given was to just wait for all three attempts of XXXX  mortgage to try and pull the money out of my account, even if i keep getting NSF fees, and after the three attempts, make a manual payment of the amount i want.

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 2015-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.

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