BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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: Account information incorrect

Complaint:
I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I acquired my credit report and asked ProCollect Incorporated to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2023. Its been well over 30 days in which ProCollect never responded. I submitted a complaint through the CFPB, and ProCollect responded that they sent me a validation letter the prior month in XXXX, which I never received. Here 's my complaint number : XXXX. At this point, this issue has ba very frustrating thing. At this point ProCollect has been displaying bad business practices. I will attach all documents in which I have mailed along with dates.

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 2020-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I defaulted on a credit card account with USAA Federal Savings Bank in connection with my divorce in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and I offered to settle with them in early XX/XX/XXXX but they rejected the offer. USAA-FSB continues to report this account as open and each month reports payments as more than 90 days late. This is a false report and is being done intentionally to inflict the worst possible adverse impact on my credit. I have contacted USAA FSB about this issue on no fewer than three occasions. They respond almost immediately ( apparently before even investigating ) and refuse each time to correct the entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted Mr. Cooper ( Nationstar Mortgage ) in XXXX XXXX about dropping the PMI on my conventional loan. Was told that appraisal would be done and I needed 25 % equity to have the PMI dropped. Was also told that the process should take a couple of weeks to get the appraisal and a couple more weeks to review. Appraisal was conducted on XX/XX/XXXX and submitted on XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX after still not hearing anything about the outcome of my request. I was then told by XXXX of Mr. Cooper that " the report is subject to additional review and approval by Mr. Cooper ''. I asked for an explanation of what that meant, what exactly needed additional review. XXXX repeated that sentence and didn't offer further explanation. I also asked how long the additional review period would be and she gave multiple answers from 2 weeks to 30 days to indefinitely. Mr. Cooper emailed a copy of the valuation report dated XX/XX/XXXX and said that I should have received a copy in the mail, but I have yet to receive it as of XX/XX/XXXX. The balance of my loan is about {$340000.00} and my home appraised for {$570000.00}. There is well over 25 % equity and the PMI should be dropped immediately. I don't have confidence that Mr. Cooper is going to remove the PMI or give me any further explanation on what they are looking into. 

Since my request in XXXX to drop the PMI, my monthly payment has been increase twice by Mr. Cooper. They are referencing that there is a shortfall in my escrow account. I found that they paid the wrong home insurance company out of my escrow account even though they had the correct information. They then needed to correct the issue by issuing the correct payment. They immediately used that instance to recalculate my payment instead of waiting to be reimbursed. They also increased it another time stating other escrow shortfalls but not providing evidence, like the exact new tax bill. In reality my payment should be lower because my new home insurance is {$500.00} less than the previous year. As of XX/XX/XXXX my property taxes have not been increased for XXXX, the new XX/XX/XXXX bill has not been issued. The last payment for taxes was paid on XX/XX/XXXX. I feel that Mr. Cooper is unfairly increasing my payments and putting off my requests to lower it, while also trying to persuade me to refinance, even though that's not in my best interest as interest rates are higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially signed up for a one year service contract with XXXX from a man who had come door to door during the summer. I paid for the contract with my credit card and was told that they would email me the documents, which I never received. There must have been a mix up, because they called shortly after I initially signed up stating that they had not received payment, so after checking my account I again gave them my credit card information. They performed the services for the year that I had agreed to. 

The contract expired and XXXX automatically renewed it without my authorization. I attempted to call several times and was placed on hold for long periods of time. I finally reached them on XX/XX/21 and they cancelled the contract, but continue to bill me and have now sent my account to collections. I reached out to XXXX directly on XX/XX/21 via text and they told me that if I paid what was owed they would reverse the credit reporting, but I do NOT owe this debt. I asked the gentleman to send me a copy of the contract that I signed and he emailed me a blank copy of a contract that said contracts would be automatically renewed, but since it was a summer sale he was working with the branch to get a copy of the contract with my signature. I still have not received anything. 
I have also disputed this debt with the collection agency that XXXX is using. 
I do not want this one issue to tarnish my good credit record and I believe I have been more than fair in trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
many bureaus have the wrong information on 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 2023-02-19
Company: BARCLAYS BANK DELAWARE
State: FL
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:
The following accounts I have listed below BARCLAYS BANK DELAWARE/ with the date of XX/XX/2020. My rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the 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 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
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:
Experian XXXX and Experian has used my data incorrectly and purchased wrongful information from XXXX and XXXX to reinsert a fraudulent account back into my credit file which violates my FCRA rights. Experian has already investigated this issue in 2019 and sent a confirmation letter that this fraudulent account was deleted. You can not reinsert inaccurate information that is not verified into a consumer credit files and rental history. it is damaging my name and my credit and causing hardship.

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 2023-01-06
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: Information belongs to someone else

Complaint:
when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX  and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated 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 2023-01-28
Company: EQUIFAX, INC.
State: TX
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 sent a letter out to Equifax Customer Relations Department on XX/XX/XXXX I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina. 
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company. 
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter. 
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means. 
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter. 
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date. 
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard. 
Please Help! 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I contacted US Bank to redeem my CD which matured on XX/XX/XXXX. I had a 10 day window to do so. I was told that the CD would be redeemed and I would receive a cashiers check in the mail within 2 weeks. I was told on the call that I would be contacted if anything else was needed from me. Following the 2 weeks, after receiving no contact from US Bank, I contacted US Bank customer care who actually revealed to me that they renewed my CD and had no record of my request. On XXXX XXXX I made that request to redeem my CD, and now I have been requested to get a notarized request, and mail it to them to get my cashiers check, even though I requested this during my 10 day grace period. Meanwhile, they are supposed to be reviewing my call from XX/XX/XXXX it is clear as day, I requested my CD be redeemed after it matured, received no contact from US Bank, and then had to go out of my way to figure out what happened.

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 2023-05-23
Company: Experian Information Solutions 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

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 2023-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Once again SPS thinks they do not have to follow the rules. I was sent a foreclosure notice on XX/XX/XXXX, with a trustee scheduled sale date of XXXX ( see attached ). SPS failed to provide proper notice according o VA XXXX XXXX. This gives specific language that must be provided in a foreclosure notice : For owner-occupied residential real property, the foreclosure notice will need to include the following additional information : 1. The date the last payment was received and the amount of the last payment 2. The total amount of the principal, interest, costs, and fees in arrears 3. The remaining principal balance due Effective XX/XX/XXXX, the foreclosure notice will also need to include : XXXX. The website address of the U.S. Housing and Urban Developments office of Housing Counseling with a listing of HUD-certified housing counseling agencies 2. The website address and telephone number of the statewide legal aid center 3. The following statement in at least 12 point type : This is NOT a notice to vacate the premises. You should consider contacting an attorney or your local legal aid or housing counseling agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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, 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 an 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 explanation