BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against American Honda Finance. I have paid this office on time and they reported me late in XX/XX/XXXX and XX/XX/XXXX. I have sent numerous requests for them to correct his but it still have not been resolved. I would like the late payments removed off my account and my credit file. That is it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account 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.

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 2020-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We ordered an on-line streaming service ( one year subscription ) from XXXX XXXX XXXX XXXX using our Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard. We were charged twice for the service, each in the amount of {$99.00}, for a total charge of {$190.00}. The service was cancelled by XXXX XXXX XXXX  who confirmed the cancellation in writing. We disputed the charge through the credit card company with the supporting evidence of cancellation. Despite this, the credit card company reinstated the charges and we have paid them in full. We believe it is incorrect for the credit card company to charge us for a service which the provider itself confirms was cancelled.

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 2020-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/2020 I TELEPHONED WELLS FARGO CUSTOMER SERVICE TO INQUIRE ABOUT MY ACCOUNT. BEFORE I BEGIN TO GIVE MY INFORMATION TO SECURE IDENITY I ASK FOR THE NAME OF THE CUSTOMER SERVICE PERSON I WAS SPEAKING WITH. I WAS TOLD THE NAME WAS XXXX. I GAVE XXXX MY FULL NAME AND ASK THAT SHE SENT ME A VERIFICATION CODE TO MY PHONE BY TEXT TO ENSURE I WAS SPEAKING TO A BANKER OF WELLS FARGO. SHE REFUSED. DUE TO THE COVID 19 EMPLOYEES ARE WORJKING FROM THEIR HOMES AND I AM CONCERN ABOUT MY INDENITY BEING AVALIABLE TO A NON- WELLS FARGO EMPLOYEE. XXXX SEEMS TO THINK MY REQUEST WAS ABSURD AND PLACE ME ON HOLD SO A SUPERVISOR COULD SPEAK WITH ME. I WAS ON HOLD FOR THIRTY ( 30 ) MINUTES BEFORE I FINALLY HUNG UP THE CALL. THIS IS THE WAY WELLS FARGO TREAT CUSTOMER NOW? MY REQUEST WAS LOGICAL AND SECURE, BUT XXXX SEEMS TO HAVE THOUGHT IT WAS A WASTE OF HER TIME. IHAVE REASONS TO BELIEVE SHE WAS EMPLOYED TO SERVICE WELLS FARGO CUSTOMERS. HER ATTITUDE OUTLINED DIFFERENTLY

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 2020-10-04
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
The following companies have been on my credit report over 4 years. By the Pennsylvania XXXX laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX  as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital System at XXXX XXXX XXXX XXXX XXXX, Mn XXXX has been sending me collection notices in the amount {$2700.00}. The collection has been reported as a pasted due balance. i do not know this company.I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to XXXX and Equifax to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

XXXX failed to remove : XXXX XXXX - XXXX Equifax failed to remove : 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
Consumer complaint received 2020-03-06
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted XXXX XXXX XXXX and Brett Borland on several occasions, Spoke with XXXX and XXXX at XXXX told me my debt was sent to a Law office of Brett Borland, and they had to handle it. Although they have continually reported this debt on my credit. I contacted Brett Borland they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay XXXX XXXX XXXX. XXXX refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid Brett Borland because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because XXXX XXXX XXXX reported and not Brett Borland. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: NY
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:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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 2023-02-03
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 is missing that should be on the report

Complaint:
I have contacted XXXX who has directed me to Equifax and XXXX. Equifax and XXXX who keeps directing me back to XXXX I am an authorized user on this account and it use to show on my Equifax and XXXX but it seems they have removed the trade line in correctly. I need it to put back on my Equifax report and XXXX. I am getting no where with anyone. Below is the beginning of the account number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 i got my credit repot and realized there is a collection agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing today regarding my interest that has been charged on my account. I bought furniture from Raymour & Flanigan XXXX, XXXX with promotional deal with 0 % interest rate for 2 yrs period. With in the two years I have to pay full amount otherwise interest will be charged. According to deal I was paying every month payment. My intention was before two years I would pay whole principal amount and XXXX, XXXX was the last time to pay all the due. But unfortunately from XXXX XXXX covid-19 started and I became unemployed. After that to avoid the interest I hardly arranged money and paid my full principal amount. But unfortunately that payment they received instead XXXX, they received sometime in XXXX. For that 15 days delay they added almost {$1200.00} interest on my account and asking me pay all the interest otherwise they sue me and put bill to collections. I called them and explain them my situation but they denying all my request. 

I am not working since 5 months due to pandemic. I am currently unemployed and it is not possible for me to pay this huge amount. So this circumstances I need your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX. I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On Transunion this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.

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 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.

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 2015-09-29
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
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:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to JPMCB credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company response to consumer: Closed with explanation