BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
Details : On XXXX XX/XX/XXXX, our neighborhood mailboxes were broken into/damaged and mail was stolen. The mailboxes were not fully repaired until the 3rd week of XX/XX/XXXX. I was under the impression that the last payment that I made to Honda Financial Services for my car loan was made in XX/XX/XXXX. I found out later that I had one more payment left but that was after my automatic payments had stopped. Honda sent out a XXXX statement that I did not received due to the mail theft. They mailed another letter alerting me of the last payment that had not been made ( printed on XXXX XXXX and mailed around that time ). I also did not receive that letter until XXXX XXXX, exactly on the XXXX  day of being late. I made that payment to XXXX that very day. Because I made the payment on XXXX day, it was considered late and was reported to the credit companies. 

Circumstance Beyond My Control : Until our mailbox was repaired, we had to go to the local post office to pick up our mail and due to the ongoing local COVID-19 restrictions at the time and to minimize potential exposure ( I have XXXX parents and XXXX at home ) I was only able to make trips to the Post Office every 1.5-2 weeks. I sent an appeal letter to Honda detailing the extenuating circumstances beyond my control and provided the police report as evidence of the mailbox theft/destruction. They provided a timely response denying my request to remove the late payments from my credit. I tried calling them to get details about the investigation and to understand why they did not consider the circumstances beyond my control, but was unsuccessful in getting any information. Before this incident, I had excellent credit without having a single late payment on my multiple credit/mortgage/auto loans that clearly show this was a one-time event due to circumstances beyond my control in a challenging COVID environment. This single late payment dropped my score 90+ points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 'm constantly being harassed and sought after over a debt that is not mine! I have disputed many of times and have been sent everything but a contract and proof of identification stating that the debt is mine!! This debt is not mine and I will like it removed from all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked Experian to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX  - XX/XX/2021 2. XXXX XXXX XXXX  - XXXX XXXX 3. XXXX XXXX XXXX  - XX/XX/2021 4. XXXX  XXXX BANK XXXX  - XX/XX/2021 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 non-monetary relief
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Hello I have recently spoken with someone at TransUnion through customer service about my multiple inquires I did not authorize on my credit report. Everyone that I had spoken with were very rude about it and would not help me with my problems. I have some inquires I know I did not authorize and I get no help at all. One representive had me on the phone over an hour to go all the way through the process to tell me oh he can not help me and hung up the phone. Here are some inquires I did not authorize on my credit report XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry 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 2022-08-05
Company: EQUIFAX, INC.
State: NM
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove negativity ASAP. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting several unauthorized inquires on 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 2019-11-20
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is paid and full though several deposits of credit from my vendors to XXXX Bank. No checks have been forwarded to me nor my business as a credit, therefore was received by XXXX Bank. 

I am not aware of who this collection agency is and have never done business with them. This should be removed from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Circle Internet Financial
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions 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:
I have sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since XXXX and is still report on my file and was update from some XXXX collection agency in whom I have not went into contract with

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 2021-11-13
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. 

XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, 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:
XX/XX/2019 Equifax and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for CityBank master card and was denied. The letter says that my application was denied based on XXXX credit report, which include 3 reasons : 1. filed bankruptcy 2. previous or existing accounts have history of late payments 3. Credit privileges on my existing accounts are restricted. 

According to my XXXX  report none of this information is correct and none of this is on my credit report. No bankruptcy, no accounts in City Bank. 

I called CityBank on XX/XX/XXXX to inquire about this erroneous information and talked to the rep from Application Department. She told me that even though this information is not on my Experian report, the City Bank used its own records from XXXX ( 20 years ago ) when I filed for bankruptcy in addition to my score in decision process. I wonder if The bank has a right to keep this kind of information on clients and if it can use it against clients after 20 years. 

My application ID 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 2021-12-09
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation