BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. They are in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ) I don't remember going into any contractual obligation with the original creditor are agreeing to an have by mediacl debts sold are published on a credit reports. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them I believe all three Credit Bureaus, XXXX, XXXX, for a debt of {$100.00}.

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 2019-12-30
Company: Monarch Recovery Holdings, Inc.
State: NJ
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:
On XX/XX/2019 I reviewed my consumer credit report and seen various XXXX XXXX XXXX inquiries I called XXXX to report that I don't have any XXXX  XXXX credit cards open nor have I recently applied for a XXXX XXXX credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called Monarch Recovery Management , Inc to discuss my concern further. 
I reached out to Monarch which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this XXXX XXXX XXXX Credit owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: OK
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:
The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}

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 2015-06-11
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: OK
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:
The Experian Credit Bureau is reporting an unverified information on my Credit Report. As I have stated on the letters and complaints I submittted, I never made this inquiry neither did I authorized anyone to inquire about this on my behalf! I have been a victim of identity theft and I never received anything as a result of the theft of my identity. Is it that hard for Experian to understand? I have been asking for Experian to provide me copies of documents bearing my signature to support their claim that this inquiry was made by me or by anyone I authorized but they have not given me anything! Is it that hard for Experian to verify a disputed inqury? Since nobody cares about this Inquiry, the only option is to remove it from my Credit file which was never done by Experian. My Legal counsel and me are halfway through complete to filing a lawsuit agains the Credit Bureaus because of their willful non-compliance of the FCRA regulations. And if Experian chose to not comply with my requests to remove the disputed inquiry on my Credit report, I will be adding this charge to my lawsuit against the Credit Bureaus. I need this inquiry removed from my Credit Report now! 
XXXX. XXXX XXXX, XXXX XXXX XX/XX/2021

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 2015-11-16
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this remaining inquiry from my credit file. 
XXXX XXXX XX/XX/2022

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
While I could afford the standard payment schedules set with all my student loans, I decided to change as many of my loan payments plans to income-based plans. With this change, I could pay the same total monthly amount over all loans, but all allocate a greater percentage towards the principal of those with higher interest rates. When all loans are fully repaid, the total amount of all interest paid would be reduced. 

I found that some loan servicers did offered income-based alternatives and successfully restructured those with lower monthly payments. However, I believed some did not offer income-based plans since I could not find information available on their websites, including Navient. Recent articles and discussions suggest that Navient was required to have income-based alternatives available. If this is true, then I am one of those misled by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: WELLS FARGO & COMPANY
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank was selling at auction a repossessed house located at XXXX XXXX XXXX, XXXX, VT. I was the winning bidder on XXXX XXXX through XXXX. I was given a settlement date of XXXX XXXX, 2016, signed the required contract, and submitted the required earnest deposit. Each stage of the operation was handled by a different contact. Starting 5 days before settlement, I contacted my contact and asked what was needed to settle -- I received silence at first and then was told Wells Fargo had not downloaded the title and they could not settle. I asked where that left us and they said they would settle as soon as everything was in place. As soon as I asked if this was a breach of contract, I no longer received replies to my emails or phone calls. Then on XXXX XXXX, I received an email from a new outfit -- XXXX, telling me they were ready to settle but I needed an attorney. I hired an attorney, she contacted them and has received NO response and is frustrated herself -- at XXXX per hour! They are well over a month from closing date and -- nothing!

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 2022-07-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
15 U.S. Code 1681 Experian has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them.

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Experian could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed XXXX over 4 times with this. And yet Experian STILL shows this account. I am within my legal rights to demand this account be removed from my XXXX report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well.

3. XXXX XXXX - Collections account - This account was paid in full and XXXX XXXX  greed to remove this from my report and yet it still shows in my XXXX  credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

5. XXXX XXXX XXXX XXXX XXXX XXXX  -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

6. XXXX XXXX - This account is closed and paid. There are also several inaccuracies in this account on my credit report from Experian. XXXX XXXX also sent my father certified information to inform us that they are not seeking moneys from this closed account and that it should not appear our reports. However, Experian still shows this account. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Experian has NOT done this! 

I am left with no choice but to start legal procedure against Experian if these accounts are not removed immediately. 

ALSO -- I tried to delete my Experian account and sent them and email demanding this, they sent me an email and TOLD ME DIRECTLY to rely to that email ... .WHEN I DID, that reply said this email account is no longer monitored! to NOT delete my account after I request it is also a violation of my privacy.

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 2016-11-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I returned my lease with American Honda Finance in XXXX. The payoff from the other car company came in late and as a result I was reported 30 days late no fault of mine. I disputed this and also contacted Honda and nothing was rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I signed up with a service called XXXX XXXX and linked my Bank of America account to it so that I can cash out on my paycheck early instead of waiting for payday. This requires that my account maintain a positive balance in order for them to send money to the Bank of America account. Bank of America has not maintained an active communication with XXXX XXXX to show the realtime balance in my account. As a result I am not able to cash out with XXXX XXXX and am limited in my ability to pay for things I need to survive. I need Bank of America to actively participate with XXXX XXXX so that I am not handicapped when my personal account is low in balance.

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 2020-05-23
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company this want let me make paymeny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates 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 non-monetary relief
Consumer complaint received 2022-01-22
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:
Company failed to timely and properly apply requested due date change. They also did not process agreed upon extension for the months of XX/XX/XXXX and XX/XX/XXXX. 

When following up as I was alerted to credit delinquencies I was advised of employee error for which coaching has been provided and it would be remedied within 1-2 billing cycles. I received countless closures as a result of this not so much as an I'm sorry or monetary relief they simply kept giving me the runaround time after time. 

Then in XX/XX/XXXX they advised account is covered for covid 19 plan NO PAYMENT DUE. They advised interest would still continue to accrue so pay what I could during XXXX XXXX and XXXX the months initially processed for Covid 19 from certified XXXX XXXX XXXX letter that they accepted. 

Imagine my surprise when not only did they not fix the prior to as advised by several parties including XXXX XXXX office, XXXX closed accounts and countless other supervisors on a recorded line with CRA Execs. 

I was then informed they would not speak to me nor accept payments because account was coded cease and desist and litigation they froze my portal for payments in XXXX after dispute and nothing works to this day over 2 years later. The old account was paid off and I acquired a new loan through only because it was further guaranteed account would be rectified and portal fixed yet it is not.

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