BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is wrongfully charging me {$590.00} for 2 year agreement I NEVER made with them because of I requested additional boxes from them. If I would have known this I would have never got the additional equipment. I have had problems with their equipment for over 2 years and after the last XXXX Rep having me go up & down my stairs to reset their Box over 7 times & still didn't fix the problem. According to their logs they fixed the problem but they never did fix anything so I XXXX their service after over 2 years trying to fix their equipment and XXXX is charging me an early termination fee. I have written to them 3 times to resolve this issue but they just slapped me with a bad mark on my credit reports which shouldn't be there in the 1st place.I was a XXXX customer for over 15 years & the last 2 years they went downhill fast but I repeat I never made that 2 year agreement but XXXX is penalizing me for something I NEVER agreed to. Now they are hiring this RPM Company to collect without any response to my dispute with them. Let them take me to Court in this regards because after 15 years being a loyal customer there is one less.

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 2017-01-28
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My honda dirt bike was stolen in XX/XX/XXXX. My issues started with Honda financial services. I spoke to a a Honda representative on the day of the theft. They informed me to fax the police report to a number they provided me with, which I did. Three days passed by and I had not heard from them. I called them, and the representative I spoke to was very rude, and told me that whoever I spoke to three days ago did not exist, and he does n't recognize the fax number they had provided me with. I reported my stolen vehicle for the second time with this new individual. A month later, I representative called me, stating I will be receiving a bill for my last payment. I was not given an option other than to pay the sum in 90 days. When I called Honda financial services in XX/XX/XXXX to make my payment, it was discovered that they had sent me the wrong statement ; they stated I owed them an additional {$1000.00}. For two days in a row I demanded to speak with a supervisor but the Honda representatives informed me they will handle the issue. In the mean time they stated they will me send the amended final statement of the sum I owed. About 5 days later, I received a phone call from Honda representative that only left the general number, with no name or title. When I called Honda financial services to inquire as to the means of the call, I was told that a supervisor tried to contact me. My rights as a consumer to voice his issues were completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Moneytree Inc
State: WA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Opened an account with XXXX in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX. I recently went into Moneytree to cash a check and I was informed by the XXXX at the XXXX, WA location that I would have to pay half of what is owed to them in order to cash the check. I refused as I had filed bankruptcy and the statue of limitations had already passed on them to collect.

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 2015-08-02
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This is a fraudulent attempt by Credit Solutions Corp. to collect on a XXXX debt. If I had owed anything to any one it would reflect on my credit report. I just obtained a Co-signed student loan for my daughter thru XXXX XXXX Bank. I think that would be impossible to do with bad credit. All supporting documents will be sent Via U.S. Mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. 
SCA collections {$1500.00} XXXX XXXX XXXX XXXX # XXXX I don't owe anything XXXX XXXX XXXX XXXX 
{$350.00} XXXX XXXX, XXXX  XXXX # 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2022 initial request to transunion to verify and validate several accounts that are reporting inaccurate information. 

they responded with an updated consumer report on XX/XX/2022 only removing one of the listed inaccurate accounts. 

I responded XX/XX/2022 with a 2nd. letter requesting documents that were used to verify the accuracy and using the metro 2 requirements. 

I received a response today that only outlined the procedure used and did not contain anything that I requested nor did they remove anything from my report. 

I will be sending them a third letter today. 

See attached files

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 2017-05-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do this

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 2019-03-03
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom this may concern : I'm working towards public service loan forgiveness, and am having great difficulty getting an accurate count of the number of months that have counted towards my forgiveness. Per my banking records, XXXX XXXX has undercounted the number of months I've repaid by about 10. I've sent these records in twice via their website ( once in XX/XX/2017, and another about 2 months ago ), which show all of my payments. I have yet to hear back either time, but do get a total count of applied months whenever I submit my work certification form. I've been asking them to either change the number of payments that count toward my goal of 120 payments, or simply delineate which months they are not counting and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: AmeriHome Mortgage Company, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

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 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I called BOA about my Edd unemployment card and they locked it for some reasons I dont know and I called their customer service yesterday and they unlocked it but not quite long trying to get back into my account online access and its still giving the same problem saying my information is invalid and I try using the card it also said it had been restricted I tried calling back few minutes later and Im getting a bad response from them Im unemployed and begging for food on the street because Ive a kid that rely on me Please I hope me laying the complaint can solve my problem because everything is hard for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CAINE & WEINER COMPANY, INC.
State: WA
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:
I called Caine and Weiner Inc. Regarding a debt that was on my credit report in order to resolve the debt. My credit report reflects that I owe {$160.00} but the representative I spoke to said I owe around {$250.00}. I asked to only pay what is on my credit report and she informed me that I could have the debt removed from my report if I paid the larger amount. I said I only wanted to pay what is on my credit report and she placed me on hold to speak to the manager. When she came back she offered to remove the debt from my credit report if I paid around {$220.00}. Telling me that she is unable to remove the report from my credit when she can is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Medical Data Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Debt collection agency : Medical Data Systems. Received telephone call at my place of employment without written or verbal permission to do so to discuss a debt owed. Continued to contact my employer after I verbally asked not to.

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 2021-09-27
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I dealt with Experian in XX/XX/2020. On XX/XX/2020 I ordered all three scores and reports from all credit agencies for XXXX. On XX/XX/XXXX I was charged again a XXXX recurring monthly membership fee. I already have XXXX, and did not order a monthly membership. I canceled the membership on XX/XX/2020, and spoke to XXXX, then XXXX. I then receive an email saying that because I canceled my membership, that my credit report is now UNLOCKED. I believe this is unethical and illegal. I have had all 3 credit reports LOCKED at all three agencies as I have previously been a victim of Identity Theft.

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 2020-04-03
Company: Experian Information Solutions 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:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2015-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, was not rendered the proper response for a previous dispute. Pursuant to 15 usc 1681i ( 7 ), failure to provide a description of reinvestigation results is a violation of my consumer rights.

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 2017-03-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: FL
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:
According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXX off my credit report but XXXX  and Equifax kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
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 sent a letter to Equifax and XXXX XXXX regarding account # XXXX XXXX XXXX on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a letter dated XXXX XXXX, 2017 from Citibank Card Services XXXX XXXX XXXX  XXXX Oregon XXXX. It stated that I am being issued a statement credit for {$190.00} for charges for the Identity Monitor program I did not sign up for and cancelled immediately upon seeing the charge on my statement. I cancelled the card years later, and I do not have a Citibank card at this time, and I have not received a credit statement from this bank for years. How can I receive this credit if I do not have access to the card or credit statement anymore? Please help me in this matter. Thank you, XXXX XXXX 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 monetary relief
Consumer complaint received 2018-03-20
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX EOS CCA collection is trying to collect a debt that I don't owe for {$420.00} They have placed this debt on my credit report that is affecting my credit rating as I am trying to get things that I need. I have sent a validation letter disputing this account on XX/XX/XXXX. They could not validate my account, instead they sent a letter stating that this is verification of an outstanding debt. On the letter they sent it only has the acct Number, the orig creditor acct, and the balance they are claiming I owe. This is not Validation of Debt. I am requesting they remove this debt immediately and report correcting to all three credit bureas asap. On my XXXX   Credit report it says under remarks that acct was disputed by consumer, meets FCRA requirements.

Company response to consumer: Closed with explanation