BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Investigation took more than 30 days

Complaint:
When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, Nissan Motor Acceptance Corporation ( NMAC ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from NMAC stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called NMAC to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and Experian but they sided with NMAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Shellpoint Partners, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I initially has a mortgage with XXXX XXXX. I filed for Chapter XXXX Bankruptcy in XXXX, case # XXXX. The bankruptcy was discharged in XXXX. XXXX XXXX went out of business in XXXX, and did not file a of proof claim with the bankruptcy court. This debt collection company has changed names multiple times to include XXXX XXXX, XXXX and now it is calling itself Shellpoint. I have contacted the company during all three name changes to dispute the claim, but they continue to state that the mortgage is owed. The last communication was XX/XX/XXXX. I am sending along the last communication with XXXX in XXXX. The company was then renamed Shellpoint in XXXX. I am also sending along the Chapter XXXX Trustees discharge summary and discharge order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint to Halsted Financial regarding the text messages they have sent me attempting to collect a loan debt from check into cash company. There was a problem with my email getting a response from the complaint so I am resubmitting. Another agency called XXXX is attempting to collect the same debt and is on my credit report. As mentioned before, check into cash did not confirm of any debt owed and calls can be traced to verify that. The collections need to be removed from my credit report immediately. This situation needs to resolve. I am not at fault for any miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Greetings I took out a personal loan through the XXXX, Michigan OneMain Financial branch in XXXX for {$7000.00}. I have twice asked for a payoff amount and no one can tell me what it is. 
I was locked out of my account for the last year. Once I was able to get into my account and look closer at my statements, I noticed that only a {$1.00} goes towards the principal and a {$170.00} is being charged for interest every month. At this rate, it will take me a lifetime to pay it off. Even after making payments arrangements after losing my home and becoming unemployed, they have constantly attacked my credit score to the point where I can not find suitable housing or affordable car insurance. I feel cornered and unable to do anything about this. It took me 2 years to get my XXXX and at this rate, I will never have this loan paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Financial Institution : Truist Issues : Account Locked, New Customer I am writing this letter as a formal notice to file a complaint against the Financial Institution, Truist. I believe their practices for onboarding New customers/clients is exploitive, unforgiving, and downright unethical. 

Recently applied and was approved for Confidence Checking/Savings account on XX/XX/XXXX. Submitted minimum opening deposit in total of {$75.00} for both accounts on XX/XX/XXXX with phone representative. Phone rep also helped process order for debit card to be shipped. On XX/XX/XXXX, attempted to login on Online Banking and was briefed with a Account Locked notice. Called Support and was told that account had been closed and would be forwarded to specialist department to resolve. Mislead through many different departments and requested callbacks were ignored ; hours and time wasted with NO resolution. 

Customer is seeking for immediate reimbursement of opening deposit plus damages. 

Looking forward to getting this resolved,

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 2023-03-07
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The home is my mothers home. It is listed in the estates name, I provided Shellpoint with her death certificate which has me listed as the information. Many representatives have told me that all I needed to do was pay the amount and that would take the home out of foreclosure. I called to make the payment that is listed on the statement as the reinstatement amount, the agent was about to process the payment but came back and stated that was not the amount but she could not provide the amount. I spoke with a very rude supervisor who then notated my mothers account that nobody is to take a payment. I have made plenty of payments without my name being on the account and Shellpoint has taken those payments, but now that I am trying to stop the foreclosure they are refusing. Im not asking for any account information, all I am asking to do is make a payment of the past due amount which is higher than the reinstatement amount, but Shellpoint is wanting to force a sell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I purchased a condominium via Guaranteed Rate dated XX/XX/XXXX. Within months, the mortgage was sold to Wells Fargo Home Mortgage. Since purchase, I pay ~ $ 1500 monthly payments to Wells Fargo Home Mortgage. 

XX/XX/XXXX, I noticed my monthly payments increased to ~ {$1900.00} charged XX/XX/XXXX. I initially assumed property taxes increased by ~ {$400.00}, knowing my district was due for reassessment. After research and talking with my condominium manager, I learned Wells Fargo 's charge was higher than the property tax increase by an exorbitant margin. 

I called Wells Fargo to inquire into the accounting charge, late one night in XX/XX/XXXX, and talked to a skilled customer service representative. She had all the tools at her disposal to check on my situation, she knew what to look for, and she explained ... 

" [ ... ] the error doubled the annual tax payment [ ... ] '' This error increased monthly payments ~+ {$400.00}, ~+26 % of agreed upon rate. I was told the problem would be fixed in 14 days ( a date before XX/XX/XXXX payment ). 

I called customer service after another overcharge was taken from my account on the date XX/XX/XXXX. A new account representative was assigned to my case. She was unskilled or missing necessary tools to solve my case. I was set to have resolution by the date XX/XX/XXXX addressed in a letter from one " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX letter boar no contact information. An inquiry looking into the agent 's credentials showed a current position at XXXX XXXX XXXX with ties to Wells Fargo which ended in XX/XX/XXXX. 

The following are timestamped letters adding more time for charges related to my problem 's " inquiry '' : XX/XX/XXXX moved resolution expectation to XX/XX/XXXX XX/XX/XXXX moved resolution expectation to XX/XX/XXXX Charges continue against my account, seizing money supply from my checking account needed for food and utility bills. 

Nothing has been resolved. I am being overcharged. Executive Care and Recover-er XXXX XXXX does not answer my calls, check-in, or share any client information whatsoever.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous 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. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX. Please delete these fraudulent accounts from my file ASAP. Also, I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : 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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
i was prevented from being in usa and forced to maintain a hosting account relation with XXXX in XXXX and no income as well. i did not get settlement in XXXX relation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have addresses tied to my credit report that I've never live in my life. One account is from XXXX XXXX  as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years. The inaccuracy on this account shows the date the account was opened on XX/XX/2021 currently on XXXX ; However, on XXXX it shows this account was opened on XX/XX/2021. According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX  and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I complained to XXXX  against employer XXXX not retiring me or employing me in XXXX and in XX/XX/XXXX i was harassed by uS CBP XXXX XXXX at XXXX airport against my wishes forced to sign i-407 and prevented a XXXX settlement given to maintain wellsfargo account. a cousin XXXX dying very young in XXXX distracted me and i expended some time in XXXX XXXX. there was no reason for the criminals in us cbp to harass me and force me to sign i-407. this is the XXXX year. I could have been retired as a yogaguide in XXXX and settled in Usa with wellsfargo and suspects citigold relation i had and XXXX  XXXX offices and criminals using XXXX surname and their police and immigration authorities. They restricted XXXX from entering XXXX  and being with me and now my mother is dead and i dont know where she is or being helped

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 2022-04-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until 2020. I want it removed! Hope this time it gets handled correctly!

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 2022-04-08
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$400.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I booked flights via XXXX to XXXX, XXXX. In XXXX, upon reviewing my bank statement I did not recognize a charge of {$2400.00} to my account so I filed a claim to Citi Bank thinking it was a fraudulent transaction. I was refunded the full amount. Later I realized that this charge of {$2400.00} was XXXX, so the trip was canceled. Please keep in mind that I am XXXX years old so my memory fails me many times and it is very difficult for me to keep up with paperless transactions. I called right away to re-book this trip on XX/XX/XXXX so XXXX went ahead and re-charged me with the amount of {$2400.00}. 

Fast forward to XXXX of XXXX when all operations at XXXX stopped due to the pandemic and XXXX canceled my flights and hotel, meaning that services were never rendered. I called Citibank on XXXX to file a claim on this charge from XXXX but they said I couldnt file a dispute again for the same charge. Now, I am not trying to file a dispute for fraud but instead for services not rendered. I keep explaining to Citibank that services were not rendered and the claim should be under the 13.1 claim code. Citibank states that they could not and would not do that. 

After filing for the first time with the CFPB I received a response from Citibank in which they still refuse to help me and would like me to contact the merchant directly or pursue other means which I have to no fruition. When trying to contact XXXX I receive a message instructing me to contact my bank ( Citibank in this case ). I have no knowledge about any other means since Citibank is refusing to at least provide me with other options. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citibank. 

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 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.

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