BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi, I had a 3-month lease through XXXX XXXX, starting in XXXX of XXXX and ending in XXXX of XXXX. I was over the allowed mileage limit by the end of the lease and started to look around for my options. 

I was referred to a leasing company ( broker ) to see if they can help me end the lease without paying too much for the over mileage. They said they can help me as long as I lease a new XXXX automobile through them. I leased a new car through them, took delivery of it on XXXX XXXX XXXX, and turned in my old car to them. 

Turned out, the leasing broker wasn't on the up and up, and instead of returning my car right away, he held onto it for some reason. XXXX kept on calling me and saying I was past due on my payments, and I assumed they were talking about the car not being returned. I told them what happened and XXXX XXXX and I kept on chasing this broker to get the car returned, so I could make my final payments and be done with it all. 

This went on for a few months, of XXXX XXXX and I chasing the broker. 
He actually blocked my phone number so I couldn't get through to him. I went down to his house and office to find the car, but it wasn't there. I tried to go to his office to speak to him and was refused entry. I finally went around to XXXX dealerships near me, checked their parking lots, and found it hidden in the back. I had the manager of the dealership get through to the broker to have him return the keys. ( this still took the broker a few days of the manager calling, for him to return the keys ) Unbeknownst to me the entire time, XXXX XXXX wasn't calling about the car being returned. They actually went ahead and extended my lease without me signing any documents, and were calling about my monthly payments. They never, never mentioned that. Every single time they called me, they said I was late on my payments, I would tell them I was still trying to get the broker to return the car, and that was it. They never said anything about extending the lease, and the monthly payments. 

So they just went ahead and reported my account late to the credit bureaus. This has hurt my credit and my fathers ' credit since he co-signed for me on the lease. My brother wanted to buy a house and needed my father to co-sign, but he couldn't because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im noticed on my Barclays credit card two charges from last XXXX popped up. They were both from XXXX. One was for XXXX  and the other XXXX So I disputed both items. I havent heard anything. No email sent to me or phone call or anything and its still on my account. When you call customer service sometimes act like they are not sure why and tell you to wait 45 days to see if anything changes. I shouldve XXXX given credit for these two items but no they are still on my account and nothing has been said to me about them even though they are not mine.

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 2017-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen, my PIN was obtained, and {$1000.00} was stolen from my checking account via a Chase ATM. The bank sent me a fraud alert to which I incorrectly responded indicating the transactions were NOT fraud. I immediately sent a new response indicating it was fraud, and called to filed a fraud claim. I indicated that I had misread the text message and that it was in fact fraud on the call. I also sent a screen shot of the text message responses. A police report was filed and I indicated to the bank that I have a good idea as to who the individual might have been who stole the card/ money, but ca n't say for 100 % sure. Finally, there was a separate claim ( which was part of the same fraud ) involving a money order and my PIN which was approved as fraud. The bank denied the ATM claim stating that it was due to inconsistent information since I had indicated it was n't fraud with the initial response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dont understand how this Account XXXX XXXX appeared on my credit report as a charge off when the account isnt mine. No proof according the FCRA was sent to me for verification. 
I disputed and they took no action

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 2022-07-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: FL
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:
During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Owners/Parents both XXXX XXXX within the last year. Probate court just finalized and the children are now the new owners ( XXXX kids, 25 % each ) OCWEN will not allow any of them to discuss the matter of the property because the now XXXX parents did NOT give them proper authorization. The sale date is today X/XX/217 at XXXX. Ocwen will NOT allow probate paperwork to be provided. 

Owen is working in poor faith to resolve this matter. They are requesting 3 Business days to review documents, but they are trying to foreclose within the hour.

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 2017-08-21
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 my husband XXXX XXXX - who is also on my credit card account ending in XXXX - submitted a complaint to the CFPB because Chase Bank was harrassing us with phone calls trying to collect a debt which they believe is owed to them. 

The company, Chase Bank, responded to the complaint on XX/XX/2021 and their response closed the complaint. However, they lied twice in their response to the complaint. The first lie they made was when they stated they did not receive the letter sent certified mail to XXXX XXXX even though I have proof that the letter was received. The second lie they made was when they stated they sent a letter dated XX/XX/2021 advising me of a settlement offer. I never received this letter and when I sent a second certified letter to Chase Bank on XX/XX/2021, I received a reply from them re-stating the lie they made in my husband 's complaint - that they mailed a settlement offer to me on XX/XX/2021. I never received their letter. They also refused to mail me an updated settlement offer so they are continuing to refuse my offers to settle to debt and instead are choosing to hold my credit rating XXXX while they lie to me repeatedly by stating that I did not respond to their settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: MS
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2017-08-21
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, Trans Union and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

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 2018-08-31
Company: Experian Information Solutions Inc.
State: VA
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 have requested that all Dispute remarks be removed from all accounts on my Experian, XXXX, and XXXX  reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I applied for an increase of credit limit with American Express, for my Amex Everyday Credit Card. On XX/XX/XXXX, my request was denied. I have had an account with American Express since XXXX, and have never received an credit limit increase, after request were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Charge was made on my credit card for {$620.00} by XXXX on XXXX, I noticed the charge immediately called on XX/XX/21 my credit card company, they removed the charge and issued me a new card. 53 days later on XX/XX/21 I get a notice dated XX/XX/21 that an investigation was done by my credit card company ( Barclays ) and the charge was deemed to be legit. I immediately called them and they stated the vendor was able to verify my email address. I was like are you kidding, that was enough for you to agree I made a purchase from these people? No proof of purchase, download or receipt, nothing. So I reached out to the vendor, who uses a third party to process orders, I asked them to reach out to their third party to confirm I never downloaded or received any goods from them. So far no response from the vendor, whom doesn't answer any complaints by phone, so all communication has been through email. Barclays wants to hold me accountable which is crazy and this vendor isn't going to admit fraud, so I'm at a total loss. Please 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 2022-02-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I filed a previous complaint regarding GM Financial regarding GAP insurance that I was told that I had to purchase in order to drive off the sales lot of XXXX XXXX of XXXX and I'm a XXXX veteran with low income and felt taken advantage of. I requested the Gap fees to be applied to the principal and GM decided to send it to the payment instead. When I spoke with the Assistant Manager, I was told that it would be and since I set the payments up on bill payer, I believed GM Financial at their word. Now I'm finding out they didn't honor my request. I truly feel completely taken advantage of by this company and they knew that I am XXXX, just as XXXX XXXX.

Company response to consumer: Closed with explanation