BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX my XXXX Honda Passport truck was stolen from my apartment. I called Honda and reported it. The customer service rep advised me not to make any more payments, up until then, my payments were on time, even during the pandemic. My next payment wasnt due until XXXX XXXX. I filled a police report on XX/XX/XXXX. The insurance company advised me that itll take 30 days for any payouts, just in case the truck was recovered. It never was. They called in XXXX said I owed {$640.00} ( XXXX XXXX, a then another Honda Rep XXXX XXXX XXXX called me on XX/XX/XXXX at XXXX asking for a payment, for {$5000.00}, I asked them to send me a statement in writing because of conflicting amounts. Then I advised the rep I was recording too and she hung up. Then they called on XX/XX/XXXX, and said I owed {$500.00} for XXXX payment, but would not put it on my credit report, and they would stop calling because they were still waiting for XX/XX/XXXX to finalize the case. They lied, they called again on XX/XX/XXXX at XXXX ( XXXX XXXX, and reported it as late payment anyway, and XXXX XXXX had already paid them as of I still had not received any written final statement from Honda regarding monies owed. I requested that they send me in writing again, any monies owed. In XXXX and the Honda rep assured me it was in the mail. I never got anything. On XXXX XXXX XX/XX/XXXXpaid Honda {$31000.00} the amount they agreed upon, which shouldve included anything I wouldve owed, but all of my payments were current up to the end of XXXX and XX/XX/XXXX when I had possession of the truck. XXXX payment wasnt due until the XXXX. I went back and forth over the phone with Honda about the late reporting on my credit report and also about sending my an itemized final statement. Which as of XX/XX/XXXX, I have not received. I did however receive a letter on XX/XX/XXXX saying that XXXX paid them on XX/XX/XXXX, {$31000.00}. This date is inaccurate. They received that payment in XXXX and I resent them the information again on XXXX XXXX via fax. And they did not send me correspondence on their legal Honda Letterhead. Instead, I received a photocopy of a letter, with no signature or itemized billing. I would like for a Honda to remove the late payment information from my credit report. I would also like a breakdown of any alleged money owed so that this issue can be resolved expeditiously, and without any further tarnishing to my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
Bank of America mailed me an offer advertising zero interest on credit card balance transfers. I called them at XXXX on XX/XX/2016 at XXXX EST and spoke on a recorded line with XXXX XXXX who stated she was in XXXX XXXX , Texas to inquire if they would do it for me. After running a quick credit check, I was told that I was eligible to receive a modest line of credit. I told them I was not interested in that offer and to " cancel my application '' and " I do n't want anything from Bank of America. '' At XXXX I was told " We will close the account. A letter will go out within 14 days. '' Within two weeks I received a credit card in the mail and a notice that a new account had been opened. BofA subsequently contacted me for feedback on their service. My responses were of the worst grade possible in the survey 's scale of answers. I have never heard again from BofA. 
It would be bad if BofA submitted anything pertaining to this matter to a credit bureau.

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 2021-01-01
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I should have gotten my SSI check today XX/XX/2020 but my account was closed on the XXXX of XXXX. There was no letters from the bank saying there was a problem. I called the 1800 number talked to four different people. I was told that a supervisor was calling the main bank and they would get back to me. No did so I called back and was told I needed to work with my back about my funds that was in the account. They closed at XXXXXX/XX/XXXX today. So nothing anyone could do. I talked to my bank twice today. No one could tell me why my account was closed. I was told they sent letters out, but they could not find any they sent out. So I can not pay my rent feed myself or my pets and I cant get my truck fixed tomorrow. Had to get a appointment for that. All I was told was they was sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-01
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime has a secured credit card and debit card. My secured credit card was in overspent status. Chime sent me an email stating that it would need to paid by XX/XX/XXXX. I got my stimulus check deposited into my checking account with chime. They turn on move my pay feature on their own AFTER I had turned it off two weeks ago. They move my entire check to pay my secured credit card that wasnt due until XX/XX/XXXX. My car just got repo two hours ago because I was supposed to make a payment today. How I know they moved my money without my permission because yesterday I got deposit of $ XX/XX/XXXXand they didnt not move that over to secured credit so if my move my pay feature was on than it wouldve moved that money too in which it didnt because it was turn off. This total fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously. I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XX/XX/XXXXCredit Card that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. I sent a complaint via CFPB ( reference complaint # XXXX ) and was advised that this listing would be removed from my credit report due to potential fraudulent activity. Either this listing has shown back up again with different information, or it was never removed. There is a listing on my credit reports for {$820.00} now from a XXXX XX/XX/XXXX XXXX Mastercard that is showing opened on XX/XX/2020. I have sent validation letters multiple times with no response. This is not my account, there is no signature in my handwriting for this account, and it was found to be fraudulent. Now this company is showing on my report again!!!!! I have NEVER received any correspondence at all from this company nor did I receive anything from Trident Asset Management, and I have never signed contracts with either. This needs to be removed from all of the reporting agencies asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Co-borrower on XXXX private student loan and the debt is past due. I have made several attempts with the lender to adjust the payment amount but they wont do it. I sent a cease and desist letter to the lender to stop all calls unless they were taking a specific action on the accounts. They are still calling after receiving my letter. 
They called on XXXX/XXXX/2016 at XXXX XXXX from XXXX and I told them I had a cease on all calls. They said they can continue to call. 
They called again on XXXX/XXXX/2016 at XXXX XXXX from XXXX and they were told to cease all calls because the letter is on file. They still refused to stop calling. 
Received another call from XXXX on XXXX/XXXX/2016 at XXXX XXXX from XXXX, XXXX # XXXX, and I told him to stop calling because I have a cease letter on file. He said they can continue to call. 
I called the same phone number back on XXXX/XXXX/2016 and XXXX, Emp # XXXX, answered and I had a discussion with her about ceasing all calls. She said that only applies to automated calls. She hung the phone up. 
I called back again on XXXX/XXXX/2016 and XXXX answered the phone. I asked to be transferred to a supervisor and he would not answer my questions or transfer the call to a supervisor. He eventually said a supervisor would call back. 
A supervisor called back and said that the Fair Debt Collections Practices Act gives them permission to still call even though I have given them a written letter to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax and XXXX numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my Equifax report and 15 hard inquiries on my XXXX report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated my service with XXXX in 2018 and returned all the equipment. I received a notification on my credit monitoring on XX/XX/XXXX that a collections has been filed against me. I already escalated the issue with XXXX and they admitted their error ( ticket # XXXX ) but don't think my credit report can be corrected for up to 8 weeks ( 45-60 days ). It could take up to a month to notify the collections company ( CBE ) and up to another month to remove from my report. This time frame is unacceptable. I am in the middle of refinancing a mortgage. A negative mark on my report will lead to a higher interest rate that costs me thousands of dollars. This is essentially fraudulent billing in which they already admitted to have a record that the equipment was returned, and still billed for it. In addition, it is unconscionable to send something to collections 2+ years after-the-fact with no contact to me. I never received any email/call/mail regarding this charge, and in addition, the fact that it took only a few hours for them to confirm this was wrong suggests it was corporate malfeasance to NOT do due diligence before sending the debt to collections. 

You can see in the attachments my account shows a XXXX balance, and in the comments of my account screen, that equipment was already returned/removed from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020 Experian now show 2 late payments for unknown account. 
Delete this information per FCRA. 
Send me updated credit report by mail.

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 2015-07-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Nationwide Credit & Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet. I have no clue about whose account this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You 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 2016-08-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. 
Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. 
This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. 
In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. 
Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. 

Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loan was moved to Navient. I requested a deferment several times via email because I was homeless and without employment. I received emails that said all I needed to do to request a deferment was to reply to the email, which I did. I then found out they did not put my loans into deferment like they said and ended up referring them to collections. I still have these emails showing I made multiple requests and even asked them to provide a form if necessary via email. I received these loans at XXXX University, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply. I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
About XXXX months ago I opened a checking account up with Capital One I received my debit card and once I made my first deposit my account was closed days after locking my money with it. This was end of XXXX and it is now XX/XX/XXXX since my account has been closed and I have contacted the bank asking what happened but was told that they chose to end the banking relationship. I was told that the account would be closed and Id be mailed a close out check but I have been waiting for months now and have been forced to ask family to borrow money because I still havent received any money that I deposited. I have continued calling but was told to just continue waiting until the account has been closed. Please help CFPB here is the XXXX and phone number associated with the account if this will help ( XXXX ) XXXX XXXX ( I have another account as well that they will not close I am/was a loyal Cap1 customer )

Company response to consumer: Closed with explanation