BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls at my job XXXX asking for my husband I logged 6 call at my job in XXXX day. I have notified her that my husband has passed away XXXX of 2015 and I continue to get harassed by there worker named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
ON XXXX XXXX I went to Honda XXXX and wanted to purchase a XXXX XXXX XXXX. I test drive a car and decided to buy, we agreed that the price was going to be U {$25000.00} including Destination and Handling fee of U {$1100.00}. I was aware of sales taxes and title fee. I was told that I could have this car leased with no interest for U {$48000.00} per month for 36 months and if I wanted plus U {$2000.00} per month I could have an extra insurance. I asked how much was the remaining balance when I return the car in orther to purchase it, they said they could not give the amount. Since it looked a good deal I accept it, because I understood that U {$48000.00} per month was going to leave me with a reasonable amount paid and had very little to finance in orther to buy the car. I was never shown how they were calculating this monthly payment, but my wife told them that we wanted to purchase the car, but they kept pushing, pushing the lease, saying that was no interest for 36 months and in the end we were going just to pay the tax on the remaining balance. I then to agree on the terms and got the car, My wife left and I finished signing the deal. I never read the amounts before signing because I trusted the Honda XXXX Dearship. I went back 3 times because the numbers did not seem right, and I wanted to know how much was the remaining balance after the 36 months, but they always convinced me that they were right. My wife had a car accident and lost her car, so on XX/XX/XXXX we went to look in the given paperwork to see if we could have another loan in a car for her. So my wife printed the paperwork from a storage stick that they gave me and for our surprise, they added 2 insurances, one of XXXX and another of U {$1400.00}, besides that they put the price of the car at U {$26000.00} and after reading the Leasing document that was sent, by mail, per our request, an amount of U {$1500.00} was also added as rent charges. Honda XXXX, cancelled 2 insurances, but denied the reimbursement of the extra price in the car and the extra rental insurance.My wife spoke to Honda Financial and they said that Honda XXXX is the one who can fix it and Honda XXXX says there is nothing they can do because they don't own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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:
While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Experian 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 2021-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent and still, inquiries that are found on my report are still reporting in my account. However, any modes of response or coordination were not taken on their end, Please investigate and Remove those inquiries. The Equifax XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Commonwealth Financial Systems, Inc.
State: AR
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 Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted the credit reporting agency numerous times by certified mail asking them to provide proof these inquiries authorized. They have yet to provide documentation, and these items are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX  Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian, XXXX & XXXX My credit has been declining for a few months.XX/XX/2019 I paid off a lot of my debt my score was XXXX since then it has decline especial the past 3 month, I went from a XXXX to XXXX ... I have no recent late payments, last late payment was 7 years ago. I have a good long standing credit. I did have an incorrect inquiry from XXXX which I can not resolve, they ran a credit check and I was not told I could not have a joint signer, other that that no big activity, I have recent usage, but not for my score to go down that extreme. I paid of my student loan, just under 10K and  that seems to also have decreased my score. I am a good credit risk and I look at my score everyday and I have written to all three bureaus and called and questioned it no one can give me a reason as to what is going on. I need it to be a stable number back to a XXXX at least if I do decide to take a loan I wont get the best rate because there is a systematic issue, your help is needed 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 explanation
Consumer complaint received 2022-05-13
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DC 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 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 2020-06-10
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:
I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/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 2016-09-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
RE : Equifax and XXXX Credit Report I am writing this complaint because I have gone through this long enough with both of these companies without a solution to this problem. I have tried to request copies of my credit report from both Equifax and XXXX and I have been constantly rejected each time. I have even gone through Free Annual Credit Report and still ca n't get my reporting due to being told that I have no credit file on record. I am being told that there was a freeze was placed on my file and I do n't know by who.This has cost me credit as well as job opportunities all because these people want correct my reports. I have asked and asked Equifax to correct this error and it seem to be have gone on deaf ears once again. My inquires on my credit reports are outrageous due the errors made by Equifax and XXXX which intend has affected my other score. I am requesting that all of that be corrected for future inquires. Equifax has asked me to mail, fax and everything else to them my personal information and I have done that on several occasions with no change in my report file when it has been pulled. I am starting to believe that someone there has hijacked my credit because all I get when I asks for answer to what going on with my report is the run around each and every time. This has also been the case with XXXX. Every time I have tried to request a credit report I am told that I have already received my free report and on that note I ca n't have because I have never requested one until recently. I have submitted all my personal information to Annual Credit Report Request Service to see if l can get some help solving this matter that seem to be of no concern to these XXXX Credit Bureaus. I have enclosed per their Request by their Mail in form a copy of my Social Security Card, Pay Check Stub with mailing address and a copy of my current Alabama Driver License to prove my identity and that I am in fact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Transunion

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 2022-05-13
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 XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Location Services Holdings, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Refinanced my vehicle with AutoApproveXXXX XXXXn XX/XX/2021 which was a nightmare in and of itself with terrible interactions with everyone at the company. Took 4 weeks instead of 2 days like they promised with a lack of professionalism in each conversation that's hard to imagine being worse. 

As part of the refinance they needed to issue a new title and paperwork so I can get a new license plate in the state of IL. They told me I would receive the paperwork and title no more than 10 business days after the closing. It's now mid XXXX and I've called/emailed weekly and asked for updates on when I can expect my paperwork, as I'm now unable to drive my vehicle as the title and license plate are not valid anymore. 

AutoApprove is a scam, have unhelpful employees, and are incompetent in delivering the contractually obligated items within their contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

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 2022-05-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts # 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 2016-09-30
Company: LoanCare, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any information.

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