BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some time in XX/XX/2020 I came across a derogatory item on my credit report by a company named RENT RECOVERY SOLUTION LLC in the alleged amount of {$2900.00}. I have absolutely no idea of this entity and have never done business with them. RENT RECOVERY SOLUTION LLC has obtained my private and personal identifying information without expressed prior consent violating consumer privacy laws. This item on my credit report has damaged and harm me for a period of time that I'm not even sure of. This item on my credit report has no validity, is unverified and has caused me to miss potential opportunities. This item has also restricted my ability to effectively engage in commerce for my personal, family and household upkeep and pursuit of liberty. 

I have contacted RENT RECOVERY SOLUTION LLC about their trespass against me to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My private student loans through XXXX and Navient are out of control and no one can help me. When I call for help I just get transferred from place to place with no resolution. When I call Navient they tell me collection agency XXXX XXXX has my account I call them and they say they do n't have it navient swears they do. I found it with an attorneys office. I had worked out a payment plan with a collection agency that called me in XXXX 2015 of {$1000.00} down {$250.00} for life and interest rate reduction of XXXX percent for life. I called to find why my first payment did n't come out they said Navient took account back saying I did n't pay on it my payment was not due for 2 days so they took it back before my first payment came out. Now they are saying no payment arrangments are available. I want the payment plan I agreed to and was offered. I originally borrowed {$120000.00} between the XXXX lenders and with interest that amount has grown to nearly {$300000.00} more than my house is worth just in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
All three companies locked me out I been try to rlfic the wrong info so they locked it out

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 2020-03-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XX/XX/2019 XXXX Case No. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Member Number XXXX Contract Number XXXX Contract Date XXXX Mr. XXXX XXXX, During our interview to purchase a vacation package that included a yearly allotment of XXXX points to use each year XXXX XXXX, our sales representative advised us that we could offset the cost of our vacation package by exchanging XXXX points yearly to offset the monthly cost of the package reducing the payments to {$160.00} +/- monthly. He said he would advise us as to how to do this exchange of the points once we had been approved. 

We realized that we could not afford this package if this exchange of points to offset the cost did not occur or directions from XXXX XXXX did not happen. 

We called to see if we could cancel the package on XX/XX/2019 which was the 14th day after the signing of the contract. We thought we had 15 days after signing the contract to cancel the purchase as we had no on-site inspection of the property as stated in the Tennessee Law. 

We originally had contract XXXX and we have paid {$6000.00} toward the down payment and we still want to keep this contract. Please cancel Contract Number XXXX and let us keep our previous package We faxed a Rescission ( intent to cancel ) to the fax no XXXX on XX/XX/2019 and received a confirmation that the fax was received. Please help us cancel this contract as we can not afford it. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX THIS CASE HAS BEEN SETTLED BUT THE DAMAGE TO MY CREDIT HAS TAKEN A BIG HIT IN THE DIFFERENCE OF MY CREDIT SCORE. I AM SUBMITTING THIS DOCUMENT AS JUSTIFICATION FOR NOT PAYING THE FINANCE COMPANIES. PLEASE ADVISE THE CREDIT BUREAU OR LET ME KNOW HOW TO DOCUMENT THIS ADVERSE RESULTS OF THE NEGATIVE CREDIT REPORTING BY THIS COMPANY.

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 2020-04-20
Company: EQUIFAX, INC.
State: TN
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:
My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My  graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check in the amount of XXXX into my bank of America account on XX/XX/2022 the bank was made out to me from another Bank of America Customer. Bank of America placed a 11day hold on the Check for no reason. I am a victim of a natural disaster and are in need of those funds and there is no one that can help or explain why this has happened.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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

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 2017-10-14
Company: Stellar Recovery, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX. 
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX   XXXX fl XXXX XXXX XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Medical Data Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.

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 2020-03-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got an alert from the credit bureaus saying that a new collection account was added to my reports. I have never received any notification of an attempt to collect a debt from any creditor. I 'm very displeased at this companys lack of attempt to notify me of any alleged debt and instead just placing it on my credit reports. I ask that this company remove this alleged debt that has not been shown to be mine and for their improper collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX   XXXX  2017 bank of america closed my savings  acc. they said someone wired to my acc. {$7800.00} from mobile app. they think it 's fr aud. i do not who know  sent . i  called them 3 times on the  XXXX   XXXX  of  XXXX  + they will not tell me anything. y our acc. is closed + you can never open up another one again but you can still use your credit cards. i want down to local bank + they could n't tell me anything. they said fraud can shut down anyone. i only had {$580.00} in acc. i did n't do anything wrong. i s till do n't have my  XXXX  my savings acc. was tied to credit cards with my points going to my savings acc. i 've had credit cards with them for  18  yrs this is crazy

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 2015-10-28
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had noticed on my online account that my credit limit had significantly decreased from {$3100.00} to {$500.00}. I requested a limit increase on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating the reason for my credit limit decrease was as follows : 1. Accounts last reported in delinquent status 2. Serious delinquency 3. Proportion of balances to credit limits on bank/national revolving accounts is too high 4. Time since delinquency is too recent or unknown. Being a person who has never missed a payment and always has paid well over the minimum amount I was confused and angry. I called the company on XX/XX/XXXX and demanded an explanation. She simply repeated back to me what was on the letter and said I could file a complaint and a manager would contact me in 2 to 3 business days. Sure enough, I did not receive a call from a manager. I made a call today XX/XX/XXXX and demanded I speak to a manager and instead the representative spoke to the manager and came back to tell me it was the banks decision to do so. She then tells me that a lot of people are calling with this complaint of decreased credit limits. No explanation was given as to how I was viewed as a delinquency customer and my credit limit was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.

Company response to consumer: Closed with explanation