BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2020 CFPB, I filed a complaint just a few weeks ago with your office against Honda Financial Services due to their harassing me with calls after I called and told them when I would pay my payment and paid within my 10 day grace period as promised as I have several times with them, BECAUSE I work for the State of IL IDES and we are only paid 2X a month, so I have to wait and pay them when I have money in my account as I am a twice widowed mother and live on one check and have no help. 

I did the same this month and paid them during my grace period again after they just got done threatening that they may start adding additional late fees and interest onto my account in their response letter to the complaint after I reported them to the CFPB, a regulator. Then this month when I went to pay my payment this morning at XXXX on XX/XX/2020 by XXXX XXXX with my debit card because I can not pay it online or by direct debit, they won't allow me to, as I always do, which ALSO costs me an additional {$4.00} on top of my payment monthly yet still they claim it takes them a day or two to post when they debit it right out of my account, as I promised them!! Then when listening to the recording it said my balance was higher than normal after I made my regular payment of {$590.00} which is due was due on XX/XX/XXXX. I am on day nine of my ten day grace period and this is the same day I have paid for the last several months with no late fees, yet my balance this morning before my payment said I owed {$1200.00} which is my current payment of {$590.00} due for XX/XX/XXXX, plus they have added my XX/XX/XXXX payment of {$590.00} which is not even due until then and a {$30.00} fee!!!! 

This is intentional and done after I reported them and done in retaliation for my reporting them to you as a regulator out of revenge and is ILLEGAL, this is what they were threatening when they responded to my complaint you!, saying they were going to add additional interest and fees if I did not pay ON the due date!! I want them held accountable, fined and made to refund the fee NOW!!! I am also going to contact President Trump about it!! I have a ten day grace period to pay which is not until tomorrow and that is if they are counting all days instead of just business days as they should!! I paid the same day I have for the last six months and have NOT been charged a late fee in the past, this was retaliation for my complaint to you!!! 

I am also going to contact my lawyer about it as I already have one class action started against a bank and not afraid to start another with  Honda Financial if they want to start this XXXX!!! Do your job and enforce the laws on them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Penn Credit Corporation
State: SC
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:
XXXX credit corporation is reporting a fraudulent charge for collections on my credit from city of XXXX about from 7 years ago. This account was closed when I graduated college but since 2015 they have been reporting that I owe XXXX from about a year after I left the whole state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
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:
I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I requested documents to verify this information. for the past XXXX XXXX neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2016-10-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Bureau Systems has withheld verification information and thus fraudulently represented a debt, for which they are claiming I am liable. Credit Bureau Systems failure to provide pertinent information regarding their claim, which I am entitled to under the Federal Fair Debt Collection Practices Act, has resulted in my inability to resolve the dispute in a timely manner, despite repeated requests ( both by phone and certified mail ). 
When asked, during our most recent phone conversation for the information I requested, and am entitled to under Federal law, the Credit Bureau Systems employee ' responded by saying the Hospital network ( and originator of the alleged debt ) " ..had been hacked, so I ca n't do that '' and then hung up the phone. Their harassing tactics have delayed a resolution, as a XXXX, they have impeded my education. I can not pay for schooling without federally obtained loans, and they have been withheld, pending a resolution of the collection claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Windham Professionals, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
keeps calling about a debt. during a time of covid-19 and I was laid off as of XX/XX/20 and they keep calling trying to collect a debt I'm not aware of from phone 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 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On or around XX/XX/2020 I contacted Bank of America regarding my MasterCard account and related recent 30 day late payment reported to the three credit reporting agencies ( CRA 's ). I spoke with a Customer Service agent named XXXX who was very helpful and understanding of my circumstances. I explained to her that I had been out of town tending to a family member 's affairs that had been stricken with the Coronavirus illness ; ( Return itinerary attached ). She said " she understood and that I could have, and should have been offered a payment deferment that would have prevented this matter and would assist me in having the 30 day late reporting removed from my credit report ( s ) ''. On or around the XXXX of XXXX I followed up with another call to Bank of America Customer Service once realizing that the 30 day late payment still remained on my credit report. I was then told that by another Representative ( No Name ) that I was given wrong information and the 30 day late payment would not be removed and that I could dispute the information to the three CRA 's, which I did. I asked repeatedly to be referred to a manager or supervisor or contact information to a credit report resolutions department and was told that there was no other department I could speak with regarding the matter. I have made repeated attempts to contact Bank of America asking for contact information to a Manager, Supervisor, or the mailing or email address for a department that I could reach out to. I have made every attempt as a consumer to resolve this matter. I had never previously been 30 days late in the history of my account ; I was {$80.00} dollars late on my account, however was told I needed to pay {$150.00} to bring the account current which I immediately did upon my return home from my trip ; in the interim I set up automatic payments to ensure no further mishap ; I then ultimately paid the account in full and closed the 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 2015-04-11
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Veros Credit, LLC
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:
I am truly a victim here. 

XXXX collection XXXX XXXX XXXX Veros credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CCS Financial Services, 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:
Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
After subscribing for some time to Equifax monitoring, I decided that the service was simply too expensive to continue. After logging in, and searching ENDLESSLY for a cancellation feature, I FINALLY found it by doing a website search. In order to cancel your account, you MUST call Equifax ... what a HASSLE!!! OK I called Equifax ... .navigated a confusing number of options on who to call. Called but was told I needed to go to another option, dialed back wasting more of my valuable time. I then waited on HOLD listening to bad music for nearly 15 minutes!!!!! After finally talking to the operator, they asked me all sorts of questions, in fact it was my feeling that they were trying to find a question that you may not remember from the sign up process ... ..totally needless in my opinion and unnecessarily simply to cancel an account. When I could not remember one of the numerous questions I thought they were not going to allow me to cancel. Luckily I had the name of my fictitious pet name written down!!! Then they started to ask me all sorts of never ending questions of why I wanted to cancel ... ..THEN ... they started to try to sell me on staying or subscribing to another product and telling me all of the negatives why I should not cancel. Finally I lost my patience and demanded that they just cancel the service. I felt bad for this person who is obviously trying to do their job, but this was just too much. 
Is it not bad enough that we the consumer MUST PAY to monitor ERRORS that they collect on our files? For the high cost that I must pay, there should be at least an EASY WAY to cancel your service. 
I believe that cancelling an account you are paying for should be EASILY ACCESSIBLE without going through their labyrinth to discourage people from actually completing the cancellation. 
I guarantee you that many people would have given up putting this off to another day, and that I believe is the intent of this ridiculous process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a mastercard virtual prepaid disbursement card as a part of claim through XXXX and i am unable to redeem it in any of the online stores I would like if someone could tell me how can i use the money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. I have had identity theft in the past and I believe this was XXXX of those accounts. I did not have an account with XXXX XXXX XXXX. It states the date opened was this year in about XXXX. I have not had a credit card in many years and therefore it is impossible that this debt is mine. They refuse to validate the debt and I have submitted emails and requests for documentation to no avail. This company has had many complaints against it for trying to collect invalid debts. I am not going to be held liable for this debt and in fact it is impacting my credit at this point since I have not been able to get it removed. I demand proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/ Original creditor : XXXX CHARTER COMMUNICATIONS Amount : {$780.00} This unknown debt was applied to my Experian and XXXX XXXX XXXX without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.

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 2022-04-08
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It was opened credit card on my name just today. I immediately called to card issuer and they started investigation.

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 2015-04-06
Company: R.M. Galicia, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
International wire transfer was made on XX/XX/2021 in the amount of XXXX USD. All the information required for the transfer was correct except for the account number. Mistake in the account number was recognized and a message was sent from the initiating foreign bank talking about the error with the correct account number on XX/XX/2021. On XX/XX/2021, another message was sent from the initiating bank that asked about the whereabout of the money. Finally on XX/XX/2021, another message was initiated asking to return the funds. None of the messages have been replied and calling PNC, the only thing they tell me is that they can't look into incoming wires and I will just have to wait. I would like to know where the money is currently, and the reasons for why it didn't come to my account.

Company response to consumer: Closed with explanation