BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
At this time I am writing to you because your ongoing harassment regarding a payment you say you did not receive has got to stop. I turned my XXXX XXXX XXXX in in XXXX of XXXX. The last payment that I had to make was XX/XX/XXXX since I leased a new vehicle at the beginning of XX/XX/XXXX, it is this payment you have accused me of not paying. I have attempted to rectify this error with documentation from the Financial Institution by way of statements that showed the monies removed from my account. Your refusal to accept that is unacceptable. 
With that documentation you have refused to accept it and sent my account to a collection agency. Well today I have the last laugh on you, as you will have seen attached with this letter is a official letter from the financial institution acknowledging the funds were taken from my account and given to your company. 

How exactly is a payment that is due on the first of every month, say XX/XX/XXXX, and pay say XX/XX/XXXX delinquent? 
XX/XX/XXXX To whom it may concern Follow up letter from XXXX XXXX. After speaking with XXXX this morning, I realized how incompetent your staff really is. If anyone of them took a moment to look over the statements for my XXXX XXXX, and XXXXXXXX XXXX they would have seen that the statements clearly indicate that the monthly payments were due the FIRST OF THE MONTH, NOT the end of the month. Which means my XXXX payment which was due on XX/XX/XXXX, was paid XX/XX/XXXX and the last time I checked XX/XX/XXXX comes before XXXX XXXX. 
This means that my XXXX payment was made FOUR DAYS EARLY. Sadly, since your incompetence has caused me damage in the report of a delinquent payment you have forced my hand two follow through with several threats.

First after having purchased 1 XXXX XXXX, and leasing four additional XXXX Vehicles my family will no longer deal with your unscrupulous company. 
Secondly, the first letter I sent you, along with the bank document along with this document will be sent to the credit reporting agencies, along with the Attorney Generals office.

Your employees incompetence was not my problem till you fraudulently reported a NON-EXISTANT DELINQENT PAYMENT. You should have done your homework. If you had you would have seen your error since my payments were all due on the FIRST of EVERY MONTH, and your company CHOSE THAT DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: VA
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 inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .Thanks

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 2017-06-04
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Received a copy of most recent background check. Name and address are incorrect. The false information dates to  XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notified debt collector about verification of debt. What was sent back does not verify that  XXXX   XXXX   XXXX  owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.

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 2018-08-02
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 status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2021-10-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Please see attached letter from XXXX  to JP Mortgage Chase in which it is stated that I XXXX tried to stop the funds from being deposited into my Chase Checking account back on XX/XX/2021 but Chase had already cashed the {$20000.00} made out to XXXX to pay off my personal loan with XXXX. This letter is also indicates that XXXX is recalling these funds to be sent back to them ; after several attempts to try to solve this issue with Chase, I am asking for your assistance so Chase returns this money back to XXXX. Please refer back to my closed complaint with CFPB # XXXX for further information. At this point Chase has ran out of arguments and excuses not to return this money to the issuer of this check. Chase has made my life miserable and made me pay dearly for my mistake. CHASE, ENOUGH IS ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
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:
I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX  alerts, I knew that something was wrong. 

I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX 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 a 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 non-monetary relief
Consumer complaint received 2017-02-23
Company: Panhandle-Plains Student Finance Corporation
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Contract was cancelled " No Contract '' balance transferred and past the  Rep  orting and Statute  of  Limitation time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this Nemo 's collection Company and explained to them I have medicaid, they did not do their investigation of this matter properly. I have also given them my insurance information when I went in. Furthermore, I did not get helped, the doctor came in and said she needed to refer me to get a scan at some local hospital. I am not paying for this when XXXX did not do ANYTHING. Also, this is medical this is not suppose to be on my credit because of HIPPA laws. I would like this removed immediately before I contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fall of 2016 I began to fall behind on my mortgage payments due to extreme marital and financial issues. My second month of falling behind I explained to my mortgage company ( OCWEN ) my difficulties ; they assured me they would help. After 90 days of  missed payments, I was no longer allowed to make any partial payments. I was already in the midst of applying for a modification through OCWEN. I complied with their deadlines and all request for documentation. 6 months afterwards I receive a modification answer. Their offer to fix my difficulties was to increase my APR ; increasing my monthly mortgage payments by approximately 100.00 a month or repay my XXXX debt in 6 months. Neither option was acceptable or reasonable. OCWENs inability to process my modification request in a timely manner excluded me from programs that would allow me to simply put my debt on the rear of my term ; which I originally requested. 7 years of owning my home, I have never defaulted on my loan until now. Now I must come up with my monthly mortgage plus my past due debt in order to not go into foreclosure. This is extremely troubling. I need help because I do n't know what to do. I am also battling an issue with OCWEN refusing to remove homeowners insurance premiums from my agreement ; I never wanted it, Ive always had homeowner insurance through XXXX, I have even had to have XXXX representative 3way a telephone conference with OCWEN where XXXX informed them that they have no legal way to make me go with their homeowners insurance as OCWEN was stating. OCWEN was supposed to have corrected this issue and refund me the difference and never have.

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 2019-12-10
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was insured with XXXX XXXX XXXX via XXXX. I have confirmed with XXXX XXXX XXXX  that I was covered XXXX ( with no lapse ). My treatment was XX/XX/16 during the coverage. XXXX XXXX is saying they called on XX/XX/16 and were told that I had no coverage so they never billed XXXX XXXX. I did not receive collection notices on this debt. I found out about the debt because a credit application was denied and I pulled my credit history. XXXX XXXX never submitted the claim to my insurance, they refuse to provide me the bill and medical records so that I can submit the claim. The original amount was around {$1500.00} but it is now up to $ XXXX. I believe this is an error on XXXX XXXX not submitting the claim properly. XXXX XXXX would owe the claim but since I don't have anything to submit, I can't even submitted it to them. My guess is that there maybe a SOL on submission as well. I have been trying since XXXX of this year to get the billing and records. The collection company has not provided them. XXXX XXXX says I need to contact the Collection company Progressive Management ( which I have done multiple times ). XXXX XXXX refuses to provide me proof of the bill and records so that I can submit the claim they should have submitted to XXXX XXXX. Progressive Management says the claim is to old so they won't submit it to XXXX XXXX. I am in this loop of nobody giving me the supporting documents and they have never even submitted the claim to XXXX XXXX my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received multiple offers to apply for a Chase XXXX business card from Chase but when I applied in my business name i was declined based on my business being newnbut i was sent out these promotional offers asking my business I received to hard inquires because this im asking the inquiries be removed from my XXXX credit profile JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has re-added a previously deleted account. As of XXXX 2017, XXXX XXXX was no longer appearing on my credit report. Suddenly today, experian re-added the account to my credit file. This account was previously removed by Experian, XXXX & XXXX as this account was fraudulently opened.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Accounts are not my items

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 2021-11-15
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed a charge-off on my credit report. I ask Exeter Finance LLC to send me proof of a contract with my signature as proof that I enter into a contract with them. I sent two letters requesting a proof, one on XX/XX/2021 and another on XX/XX/2021. I have not received anything with proof of my signature on it. The only thing that I received was a letter saying it was frivolous in XXXX. They never mark my credit report as disputed to today which is a voilation. The company did not respond to the first letter that I sent by certified mail that was signed for by someone in the company. I would like to have the charge-off removed if they do not provide me validation showing my signature that I have or ever had some contractual obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This has happened in the past for me with Equifax. I do not have this issue with  XXXX  and  XXXX .     I wanted to have my security freeze lifted for 30 days. I paid online and got confirmation from Equifax. However, when   XXXX   tried to check my credit, they are still seeing a freeze.     No one is available from Equifax to fix this over the weekend. I am sure this has happened for other consumers also.     I am wasting my time and money and there is no accountability from Equifax. I will have to wait for week day to get someone over the phone and get it resolved.     Thanks,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Skopos Financial, LLC
State: SC
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:
Ive filed several complaints and filed several disputes with this company and theyve yet to respond, the last complaint which was sent in XX/XX/XXXX asking this company to provide detailed documentation they never responded and failed to show proof that this debt belongs to me. They missed both deadlines for the CFPB complaint and the deadline for the dispute. By law if they fail to provide documentation and fail to respond to the complaint they have to remove the tradeline from my credit. If they dont remove this item I will be forced to contact an attorney, provide proof that they failed to respond in a timely matter and I will be forced to pursue with legal action with this company. I will also be forwarding this information over to the BBB and FCRA

Company response to consumer: Closed with explanation