BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
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 noticed a hard inquiry from XXXX XXXX I never did business with that creditor before.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card

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 2021-03-12
Company: Central Portfolio Control 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:
On XX/XX/2021 I contacted XXXX by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS 11 XXXX XXXX not mine 12 XXXX XXXX XXXX XXXX not mine Identification already on file. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2021-03-12
Company: AMERICAN HONDA FINANCE CORP
State: MI
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 purchased Honda XXXX in XX/XX/XXXX. I received a mail explaining how to set up online payment which I did follow all the steps given. I previously owned XXXX Honda XXXX which was always paid on time and had an existing Honda finance account. I reset my password and setup the payment for the new vehicle purchased. But for some reason the payment did not go through and I have not received any communication from Honda Financial Services. They say they called me and mailed invoices. I never received any in mail as I chose paperless communication. I got a notification from my XXXX account about the late payment. Then, I logged in to Honda and figured out that the payment was not done. 
The profile had my old phone number and previously lived address. I was surprised that they communicated to the old information. I updated every information in every tab and made sure the scheduled payment setup shows up in the account. I double checked if the amount was deducted from my bank account. 
When I requested Honda to remove the derogatory mark, they said that they can not do it as they did not receive the payment and the communications they did to my old contact was just for courtesy and it is my responsibility to pay on time. I am responsible and I set up the payment by choosing a payment date as well on XX/XX/XXXX. The setup did not get saved or there could be system error etc.. 
As soon as I knew this, I did the payment and making sure the payment process continues without any delays or errors. The communication preferences with Honda Finance are really the worst. For me, it was not user friendly. They do not provide information in the email. We need to go back to the Honda finance account to view any kind of data about the statements or letters or setup information. Who does this these days? People completely rely on emails and the content in the emails. No body remembers passwords to login to each account to review information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
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 noticed a hard inquiry from XXXX XXXX I never did business with that creditor before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX I have been receiving repeated and frequent telephone calls from AFNI a company engaged in the practice of debt collection. They calls have increased in intensity and caller identification information indicates that AFNI is calling on a frequency of two to three times a day. The alleged debt is unknown. I filed a previous complaint with CFPB against AFNI on XX/XX/XXXX. At the time, I indicated an issue of communication tactics. Despite a previous complaint regarding their communication tactics the company continues the harassing behavior. To repeatedly call on a daily basis for over four months is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Surplus Adjustment check number XXXX for the amount of {$62.00} for my Ditech loan number XXXX in XXXX 2016. Unfortunately, my bank was unable to process the deposit of the check. I enclosed the check as instructed by Ditech and requested for another one to be sent on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and I still have not received my check. I have called monthly inquiring about the status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2020 I received correspondence through the post office from an entity called 'Regional Finance Corporation of Texas '. The offer was for a pre-approved cash loan for {$1400.00}. The part I am seriously concerned about is that this particular offer included a live check in the envelope. The check had clear instructions as to the steps needed to cash it and even suggested that mobile deposit would be the easiest way to get the funds. The offer came with a 69.99 % APR and {$890.00} finance charge. I find it unacceptable that this entity would send out live checks that could easily be cashed at unscrupulous places and place me in a serious financial predicament. The XX/XX/XXXX check was actually the second time I received this offer from the same entity ; I had previously received the same offer from the same entity on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Mortgage Research Center, LLC
State: CA
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:
Inquired to this organization about purchasing a house. They asked for my social security number to obtain a certificate of eligibility. But they pulled my credit report instead without my knowledge. I am extremely upset. This happened at XXXX PST. I spoke with the manager and explain to him what happened. He apologized. I no longer want to deal with 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 2022-03-28
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: Information belongs to someone else

Complaint:
I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, XXXX and Equifax. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A credit card was issued in my husband 's name and never activated or used by us. To make sure the card got used, Wells Fargo Bank transferred the checking account that I have had since XXXX solely and as primary with my husband as secondary to my husband. This means they manipulated not only the account but our Social Security numbers for account ID. This was all done without our permission. I already filed case # XXXX which addressed the credit card. That took 90 days and several trips to the bank branch to get all fees removed, close card, and remove the credit card from our records. Just today, XXXX/XXXX/XXXX, I found out that they stole my bank 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 explanation
Consumer complaint received 2015-04-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been review my credit report and came across an account from Wells Fargo that is not mine. I called Wells Fargo and would not provide any information of that account to me. This account is not mine and should be removed from my credit reports.

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 2021-04-20
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sold an item on XXXX for a total of {$870.00} after fees. That amount was transferred to paypal, which they are not allowing to be withdrawn. I've withdrawn two other sale transactions this month, and used paypal for shipping labels and fee payments with no issues. 

On XXXX, I contacted paypal in an attempt to resolve this issue. I was told that now, not prior to this transaction, that i need to provide additional information to withdraw these funds. They asked for supplier information, this is not applicable. They also asked for what items I was selling ; they have complete invoices for each item which includes description, pictures, shipping information and sales. 

After a few minutes on the phone it was very clear they were unwilling to help at all, stating that the funds will not be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 fraudulent accounts on my credit report, see attachments

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 2016-07-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
My daughter and I purchased an adjustable bed from XXXX in XXXX XXXX with free financing for a year. The first payment of approximately {$90.00} was due in XXXX, however, after the XXXX payment, I paid $ 100 monthly. In XXXX I received delivery of Living Room furniture, and thought I would be able to continue paying $ 100 monthly because in XXXX XXXX, I was going to pay off the entire balance. I did not discover until I received a statement from Wells Fargo in either late XXXX or early XXXX that I owed them more money. ( See Exhibit A XXXX Bill Pay XXXX ). On XXXX XXXX, XXXX I made a payment of {$490.00} ( Also See Exhibit D indicating I paid {$390.00} plus my $ 100 monthly payment ) .and Exhibit E, explaining the payment in detail. Sometime in early XXXX I was advised that it was not possible to return my {$390.00} check back. 
I made an arrangement with my daughter starting in XXXX XXXX to pay the additional {$52.00} that Wells Fargo required as minimum payment and she set it up with her banking bill pay for automatic payment every month this year, at which time I intend to pay the balance in full. ( See Exhibit B XXXX Bill Pay spreadsheet ). Upon information and belief, we had satisfied Wells Fargo 's requirements. Today I received the XXXX Statement ( Exhibit C ) indicating that I have a debit of {$430.00} on my account and my monthly payment is now increased {$250.00}. I had to place several calls to Wells Fargo to find out where this debit came from, when it was posted and WHY my minimum payment had increased from {$150.00} to {$250.00} when I 've continually paid them on a monthly basis and have not purchased anything since XXXX XXXX. 
It took the agent some time to find out what had transpired since and the agent finally discovered that the Bank, without my knowledge or approval and despite what I had been told by Wells Fargo Bank which was indicated in my XXXX XXXX, XXXX letter to US Treasury Help with My Bank, I had asked for the {$370.00} back ( {$390.00} minus the {$26.00} in arrears ) and they advised me that : " that was not possible ''. TODAY, I discovered that they not only retruned the {$370.00} back but also the {$26.00} in arrears back, without my approval or knowledge and have no not only increased my monthly amount due, but also sactioned additional late fees. See E2, E3, E Attachment 1, E Attachment 2 & E Attachment 3.. I do not know when Wells Fargo assessed these charges, I requested the date of the posting but was never advised.

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