BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I received 2 unsolicited debit XXXX cards from TB Bank. I contacted customer service thru the 888 # listed to activate card and spoke with XXXX to let him know I never applied for these accounts and wanted them cancelled. XXXX wanted my SS # which I will not release. I did give him the 16 digit card number on one of the cards and he stated that this needed forwarded to someone else and they would contact me back in 3 to 5 days. On Friday I received insufficient funds notices on 2 accounts. As of Monday, XX/XX/XXXX I received 3 separate large envelopes containing checks for 3 separate checking accounts. In asking around, I also found that I am not the only one receiving these mailings, cards and checks and notices. The customer service line is XXXX and is basically useless. Reporting this since I do not want any fraudulent activity on my accounts. I have already talked to my personal bank and they are on alert for any unusual activity but this TD Bank needs stopped. My father-in-law receiving the same stuff in mail. STOP TD BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I started to get unemployment. Well in XXXX bank of America froze my account which was unemployment money. Made a different excuse every day why they did and for what reason. Refused to give me my money from my account. The amount was about XXXX. Still to this day have not got my money. Or any response from them. They froze frederal money during covid and wasn't suppose to. Wrongfully used and took my money. Made excuse to close my account when they had no reason. I want to sue for, no less than 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 2022-06-12
Company: EQUIFAX, INC.
State: IL
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 XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with Experian multiple times in regards to XXXX XXXX and XXXX incorrect on my credit report. I paid XXXX off the loan was XXXX I paid them over XXXX The loan was illegal in CA and Experian is blowing this off. I am not paying anymore to these fraudsters XXXX and XXXX or XXXX who is now out of business due to their 138 % percent interest rate loans being illegal. These negative items need to be removed from my credit report ASAP as Experian is taking 3 days to dispute then stating valid. Both XXXX and XXXX removed XXXX and XXXX me from my report 2 years ago and Experian has done a poor job of protecting me. I refuse to pay something I do not owe, let alone something so illegal. This company XXXX has nothing about this and XXXX is defunct.

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 2020-08-14
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: Their investigation did not fix an error on your report

Complaint:
Started month of XXXX a late payment all the way up to Month of  XXXX. Advised was in hospital XX/XX/ with XXXX  and XXXX discharged XX/XX/XXXX. Spoke w/XXXX same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with XXXX my credit report was reporting delinquent. 
XXXX every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for XXXX  XXXX accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with XXXXl XXXX. This is harassment.

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 2016-02-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.

Company response to consumer: Closed
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  Account # 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 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : 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 2022-06-03
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX, a representative with Columbia Debt recover dba as Genesis, to discuss an attempt for debt collection. XXXX XXXX explained that the balance due was from an apartment community I had lived in. I requested documentation of said charges. Which he provided. I explained that the balance was erroneous and I did not owe any debt. From XXXX through XX/XX/XXXX I have received different documents stating different balances. Two documents are in the same form but with major inconsistencies. One document is signed by the community manager from the leasing office. My balance due on that documents is {$13.00}. The other document states a balance of {$860.00}. That document is not signed. I have emailed Columbia Debt Recovery in an effort to resolve this issue. But they have failed to return my calls or emails. This debt has been reported on my XXXX credit report. 

I can provide documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 I filed a complaint about fraudulent loan modification practices by Nationstar Mortgage LLC ( Nationstar ). I was told on by XXXX a manager to rerequest a Loan Modification on XX/XX/2016. I spoke to XXXX on XX/XX/XXXX. XXXX emailed me the paperwork, I faxed them to Nationstar on XX/XX/2016. I emailed bankstatments on XXXX/XXXX/2016. I was told to call and check on the process within 48 hours. A weekend elapsed so I called on XX/XX/XXXX. I reached XXXX who laughed at me and told me I could reapply all I wanted, I would never be given another Loan Modification because I failed the first trial. The first loan Modification they added an extra payment on without notifying me and cancelled without notifying me. Additionally, they sent paperwork that I did n't sign informing me that not making exact payments could ( not would which is a legal term ) result in the possible cancellation of the modification. Additionally, XXXX laughed and said I could n't get a loan modification because my XXXX loan is a Home Equity loan. It was the same type of loan when I was granted a loan modification in the first place. He emailed me a copy of the loan - laughing at me. I know that if a mortgage company does not have the original loan they can not repossess a house. This company planned to repossess this house. Had I not made a trip to XXXX XX/XX/XXXX and borrowed money from family and friends they would have been well on their way to evicting me. This is the slimiest example of fraud and attempt to repossess a home I have ever seen. They knew I did not have the resources to pay back the money on my own. If I did n't have rich family and friends I would be out of the streets with a surprise eviction notice. I am disgusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Rozlin Financial Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, ROZLIN FINANCIAL GROUP, INC sent a letter and added a derogatory mark on my credit report, per XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. The Debitor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say that it mines. According to the FCRA, ROZLIN Financial Group.Inc, has valid my rights as a consumer and I'm am requesting LEGAL ACTION to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Personal information incorrect

Complaint:
On XX/XX/2023 I sent a letter to Experian to update my personal information. I then received letter back from them on XX/XX/2023 stating they weren't sure if I was the one submitting to claim, so them I responded to their letter and provided their letter verifying it was in fact me requesting the update of my personal information. On XX/XX/2023 i then received the same exact stall letter once again denying to update my information. I submitted proof of identity as well as the original letter they submitted to me. This to me is another stall tactic for them to not move forward with my updates and reports which is against the FCRA. I have sent them 2 letters within timely manner for the updates which they still refuse to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Several of my accounts are showing late payments, this should not be as all my accounts are in forbearance. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Accounts with Nelnet 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; 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 non-monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
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:
Experian, XXXX and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly disputed the account California XXXX XXXX XXXX on my report and they keep verifying that it is accurate after being provided physical evidence of it being paid off already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have the Platium American Express card. On XX/XX/XXXX I contacted the company via chat to discuss closing the card as I did not feel it was worth its high annual fee. During that conversation I was offered to keep my card open in exchange for XXXX points if I spend {$4000.00} in three months from the office. From there I left the card open and continued to spend on that particular card to get to the {$4000.00}. I contacted Amex last week to touch base as I had not received the points but felt I met the threshold of XXXX XXXX spend, only to be advised that it was never applied to my account. I explained what happened and the reps are able to see the offer in their chat history. I have a screen shot of the offer for my records and offered to send that over as well. I was told because I did not say some magic word that they did not apply the retention offer to my account and that no current offer was available. I asked if they could use the offer from XX/XX/XXXX since obviously there was some sort of disconnect / error. I was told a case would be submitted to see if they were willing to fix it. Today I touched base and was advised that there is nothing they can do. I feel like this is a bait and switch possibly falling under UDAAP. I advised Amex of this to no avail. I was offered a retention bonus, stayed with Amex and continued to use my card based off of that offer. Now I am being told it was never applied to my account. This is not good business. I would like my offer applied to my account per our conversation on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation