BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. 

I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. 

Your help would be greatly appreciated. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX XXXXXXXX XXXX XXXX. I was in a 3 way call with my client and Rushmore Loan services. We called to know what the bank offered to her via email that my client can't open the security email and she don't know what is the offer and the expiration date.

I got representative from Rushmore XXXX who refused to provide his ID number saying that he don't have to do it. I requested to talk to a supervisor. He said that he will transfer to a supervisor that is available " if is available ''. He got waiting for more than 20 minutes and we decided to call again. This tie we have XXXX ID XXXX that give us his ID number without a problem. We asked when the offer emailed to my client will expire and if he knows what is the bank offering her. He never answer our questions. He said that the underrating department is reviewing her application. I remain him that her application was summited on XX/XX/2022 and my client never was notified her application status. We call several times about this issue but we never had an answer on that. 

I asked the XXXX what the bank was offering my client, he just stared saying that her loan has a deferral from the areas that was at the end of the loan. My client asked when that happened and XXXX said that was recently and a letter was sent on XX/XX/XXXX. I asked if the offer is about that but XXXX never answer my question and he was talking some thinks that are irrelevant for my question. I asked if he has on his records the expiration date on the offered but he didn't answer my question, he was still talking about other situations. 

XXXX would not provide a straightforward answer to the repeated question about the nature of the offer that supposedly mailed out, would not answer the repeated pointed question about whether there was deadline to accept, and repeatedly switched the conversation between a concurrent review that was supposedly happening in underwriting to see whether the terms could be made more favorable. 

The reps XXXX were combative and insulting, and eventually the client requested to end the call. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 dispute this same issue numerous times now and they still keep coming back with the same answer. Almost like they're not actually trying to help me. I am a victim of Identity Theft. I have sent all the supporting documents including proof of resident, SS card, Drivers License, police report, Etc. no one is trying to help me at all. The next step is to hire an attorney for both XXXX and Experian. Someone earlier this year stole my identity, used my maiden name and my ss # to obtain a student loan through XXXX to attend a school in Louisiana for {$4700.00}, a place I have never lived nor gone to school. Ive called so many times sent some much proof just to still be told it belongs to me. I went through the same thing with XXXX and XXXX, they ended up removing it after multiple investigations and complaints on my end. This is honestly causing so much XXXX then you can imagine. I cry constantly and ive lost hope that anyone will do their job properly. Ive even called the non emergency line in Louisiana in an attempt to file charges against this person. No help there. I need this removed so that I can finally be able to get a home for me and my children. This has caused so much already. I called XXXX and they told me to changed the number on the account that the person opened and other information on the account so the person originally opened it can no longer have access. And to send in this forgery application and proof of residents at the time it happened and drivers license, and ss card which I did. I don't knw what else to do. PLEASE HELP!!!

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 2021-07-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 someone opened a bank account in person at Santander Bank XXXX XXXX XXXX, XXXX pa XXXX with my I.D but the person looks nothing like me. When I spoke to the branch manager whom opened the account I felt like he was taking up for the person whom opened the account in my name instead of having remorse for me. 
I found it hard to believe a branch manager is that irresponsible to let someone open an account with an ID that looks nothing like them. We trust these banks with our hard earn money beliving we are protected. I feel like he was in on this fraud account and he '' s apart of a scam ring. Because he is the bank manager, he is the ring leader. He wound not give mew any information and was very rude. He almost got into a fight with my husband. I didnt know banks hire thugs. Please if someone can please help 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 explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 information is inaccurate.

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 2020-12-21
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:
I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XXXX XXXX, 2020. I have sent again, disputes on XXXX XXXX, 2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.

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 2021-11-10
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank acquired BBVA bank early XX/XX/2021. Since that time, I have not had access to 4 of my 7 bank accounts ( 2 personal, 5 business accounts ) unless I go physically into a branch. Furthermore, I received my first bank statements and I have {$23.00} in various bank charges for items I didn't sign up for such as paper statements. To make matters worse, I can not unenroll from these unwanted services until I have online access to my accounts, which I do not. I have been to my local branch 3 times, spoken and emailed the branch manager multiple times since and still have not gotten access to my money online. There is no resolution or explanation in sight after over 30 days.

When attempting to call their customer service number, a message is played to the effect that they are experiencing high call volume and to call back later at which point the call is disconnected. 

PNC Bank is clearly completely incompetent in their customer service and ability to absorb a new acquired entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete 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 explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 information is inaccurate.

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 2022-12-27
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: Personal information incorrect

Complaint:
Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like 6 alias listed not one is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them one by one each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last four of my social is wrong i told them and they created a second profile now thats fraud i have two credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian  have on file also i paid for thedt protection XXXX XXXX XXXX  gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX dollar credit card experian  has my social security wrong thats why everyone says they cant verify my information ugggh

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 2023-11-28
Company: Imperial Finance Corp
State: NH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Imperial finance corp. ( IF ) violated FDCPA by contacting company employees and engaging in abusive and harassing practices by making XXXX cell calls on XX/XX/XXXX to an employee while at work. Threated to contact everyone that is or was associated with the company in order to embarrass the company. The company sent a cease and desist letter to IF to stop contacting the company and employees on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express is inaccurately reporting and effecting my score negatively because of this and my ability to gain access to credit to provide needs for myself and my family due to this matter. 

I would like the company to provide copies of : All billing statements from account opening date, a list of people you have sent my personal information to. 

The Gramm-Leach Bailey disclosures A copy of the 1099-C cancellation of debt if applicable Date of first delinquency I would like this information within 14 days in order to complete compliance Please send all correspondence regarding this matter to my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Reporting Credit Act XXXX Account ( XXXX ) *XXXX XXXX  XXXX XXXX XXXX ; *XXXXDept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove 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 2020-08-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My son took out a Student loan with Navient in 2006 to attend a college in XXXX Tn. for XXXX which he has been paying on for 14 years now and has been informed that he still has XXXX to go before it paid off. Thats 8 more years of payments. We have already made almost XXXX in payments on a XXXX loan. I have been making the payments and am now XXXX years old with both my wife and myself in poor health. I tried to talk with them to give them a one time payment but they would not hear of it. 
I just wonder what type of student loan takes 22 years to pay off XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE SEE ATTACHED To Whom It May Concern, I DO NOT WISH TO USE TRANSUNION DISPUTE FORMS I HAVE A RIGHT TO DISPUTE WITHOUT TRANSUNION FORMS DO NOT VIOLATE MY RIGHT While checking my most recent credit report, I noticed XXXX XXXX  credit inquiries, XXXX Accounts, and XXXX XXXX information that I did not authorize, I am unaware of and believe to be fraudulently made by the following companies : Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Account : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 

I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an XXXX Report # XXXX and XXXX Report # XXXX, as well as my official XXXX XXXX XXXX, XXXX XXXX Card, and Proof of XXXX XXXX. If anything comes verified, show me BOTH XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and myself and Original XXXX documents showing true accuracy. 

XXXX has deleted this information but TransUnion has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt of the notice. 

TransUnion will be in violation of 15USC 1681n ; civil liability for willful noncompliance and 15USC 1681o ; civil liability for negligent noncompliance if chooses not to do so. 

The reporting of the inaccurate information has caused XXXX damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. 


My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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