BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
American Honda Finance Corporation violated consumer rights and Virginia Consumer Protection Law under Virginia 's 6.2-2217 for Limited Recourse ; repossession and sale of motor vehicle. After repossession of leased vehicle on XX/XX/XXXX, with account no. XXXX, Honda Financial never comply with Virginia Law by sending a timely Notice of Proposed Sale with date, time, and location of sale prior to such sale. By not informing the consumer, XXXX XXXX XXXX, as required by Virginia Law, Honda Financial denied the consumer the opportunity to buy back the vehicle. Every notice Honda Financial sent the consumer was dated and after the fact and as such did not comply with Virginia Law. Consumer sent several letters and requests for the timely notification which Honda Finacial has failed to provide to date.

By not allowing buy back at sale, consumer was not able to initiate process to pay off remaining balance account with alternative lending which was being explored. Consumer is now paying balance even after violation of his rights. Further, these actions by Honda Financial are being reported to credit bureaus as charged off account, when again consumer was not provided with opportunity to address based on lack of required timely notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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:
Equifax is refusing to remove inaccurate information from the credit file they hold under my social security number. 

I have a letter from XXXX XXXX XXXX stating they were deleting the negative tradeline associated with the complaint I have previously submitted, but for some reason Equifax seems to claim to be the arbiter of what's accurate and what is not. 

I am demanding that they delete the negative tradeline they are reporting as a chargeoff on my credit report IMMEDIATELY. If they do not, I will use all legal remedies afforded to me by law to get this item removed, and Equifax will have to appear to a venue local to me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed 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 non-monetary relief
Consumer complaint received 2015-12-22
Company: STATE FARM BANK, FSB
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
State Farm has failed to send me a bill for the amount owed in XXXX 2015 and now Im late and being charged a XXXX late fee. This is n't the XXXX time this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Recovery Solutions Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had my consumer right violated. I had sent an Affidavit of Truth and cease and desist letter to Recovery Solutions group LLC. I have attached the cease and desist. It's been 30 days and they haven't responded to my affidavit of Truth. They have called after receiving my cease and desist. I also attached the invoice they sent me which violated my federally protected consumer rights. I attached the screen shot that my affidavit of Truth and cease and desist letter was received by them via certified mail and they still insisted on calling me and leaving voicemails. They also contacted my family members. I have attached proof of how they violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Clarity Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received the following alert in my credit file and I did not give them permission to look at my credit in any shape form or fashion and I have never heard of them. 


CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Line of credit on behalf of XXXX  XXXX  ( XXXX ). This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, I contacted Navient because they have incorrect rly calculated my IBR payment amount. This is the 7th or 8th time they incorrectly did this and now they are trying to get me to change my plan, or take an administrative forbearance. They continued to give me the runaround when the payment is incorrect and it is their error : my payment went from approx XXXX XXXX  monthly to XXXX XXXX  monthly. Our income has only changed by XXXX XXXX so a payment of around {$200.00} would be maybe accurate. 

Navient is gaming the system knowing we will never be able to pay in full, so the interest they can rack up will be paid out at the end of IBR regardless of it they do it wrong or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxxxxx 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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received charges of XXXX {$26.00} XXXX on both XX/XX/2019 XX/XX/2019 on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.

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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. Trans union found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and XXXX  fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act XXXX FCRA 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 2015-09-09
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've have Experian XXXX XXXX both in the XXXX since XXXX after XXXX to the XXXX in XXXX and XXXX Experian XXXX XXXX. I've traveled back and forth for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX and returned to the XXXX on XX/XX/XXXX when I discovered someone had been impersonating me/identity theft. I filed and notified all three credit bureaus, XXXX FTC and the companies that appeared on my credit report. I sent a XXXX page package to all 3 credit bureaus and began to back track in hopes of figuring out what had happen and how it was possible. I over XXXX Experian Alerts relating to my information being on the dark web, including XXXX XXXX, my phone number, email addresses and addresses, and Experian XXXX factor of LOW. I rented a holiday home in XXXX, XXXX  with no intentions of changing my XXXX address yet they changed it without my permission or checking with me first. I filed my identity theft claim/dispute via phone and the Experian portal on the XXXX of XX/XX/XXXX, uploaded my documentation and sent hard copies via USPS XXXX XXXX. On the XXXX of XX/XX/XXXX I checked my credit file for updates and a account I did not and was not disputing appeared as a dispute. I phoned on the day and to ask why and after being transferred 4 times spoke to someone and asked why. I wasn't given a clear explanation and but it was intimated I initiated it and I was adamant I did not and they should refer to my cover letter with a clear and concise explanation/dispute/identity claim. I have had an extended fraud alert on my account since XXXX after discovering my personal details were sold on the dark web. Experian was aware yet every dark web risk alert on my profile reads LOW. In addition, I found only one alert notifying me my credit file was unlocked and absolutely NONE pertaining to my credit file being unfrozen. The fact Experian found my personal details on the dark web over XXXX times and considered every incident as " Low Risk '' is unacceptable because I have been paying a monthly membership of {$19.00} for over XXXX XXXX  to keep me and my file safe.

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 2015-06-16
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: IL
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 just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX Acc # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ). Please investigate and delete these false disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I receive a message of a hard inquiry on my credit report. I noticed a Capital One quicksilver card was opened on my account. I contacted Capital One and cancelled card and reported it was a fraud account. It was canceled. They suggest I make a report on the .Gov web sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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: Account status incorrect

Complaint:
I have recently checked my credit report with Experian, XXXX, and XXXX  and discovered that XXXX XXXX XXXX reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by XXXX 's wrong reporting. I never had a single 30 days late payment on my XXXX account since I leased my car. I resolved this issue with XXXX XXXX XXXX and XXXX XXXX XXXX agreed to send a request to the credit reporting agencies to remove these late payments and update my XXXX XXXX XXXX account and bring it to a current status. I called Experian reporting agency and talked to different representatives and they did a three-way conversation with XXXX XXXX XXXX representatives. The XXXX XXXX XXXX representative approved that there is no single late payment reporting as of XXXX, XXXX, and XX/XX/2019. Afterall, the Experian reporting agency refused to resolve this problem.

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 2016-02-24
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: Check Security Associates, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Personnel from Warner Asset Location Services called me multiple times per day while at work but would not disclose the reason for their call. I do not have any business with any company by that name. I believe they are a successor in interest to a payday loan company, XXXX. I have make arrangements with XXXX to pay this debt and others. Personnel from XXXX also called my employer and relatives frequently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation