BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 I bought a XXXX XXXX Truck at XXXX XXXX of XXXX. The manager raise my salary for get more money and put fees almost over XXXX of the price. On XX/XX/2021 we have a meeting and he told me the price was to high because I bought extra protection and the fee in all of XXXX dealer is {$5000.00} for the shortest of vehicles ; but he put two times taxes and processing fees. The price of my car is over XXXX with the products of proteccin I bought. I cancel almost all proteccin products only keep the gap insurance ( {$990.00} ) and wait for the refund money. I need help to have my money back. Is not nice he do this only because I am old XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 have sent multiple letters to USAA to verify my accounts that they are reporting on my 3 credit reports. They have not provided me with any real proof that the account is mine and that they can keep it on my credit reports. They are refusing to reinvestigate saying that I have not provided enough information But I have sent them the information that I got right off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I began the process of refinancing my mortgage. The payoff statement came back stating that I owed {$15000.00} in addition to the unpaid prinicipale balance of XXXX for a total of XXXX. 

In XX/XX/XXXX, because my mortgage was under water and payment too high, I entereed into a Shared Mortgage Modification with XXXX XXXX XXXX, my understanding was that the deferred amount would not have to be repaid and was not subject to interest if mortgage was paid on time. [ Please see Loan Modification Agreement page 2 section 2 B, C, D. ] My concern is that if this amount is/was forgiven, why am I obligated to pay it back? I have met all requirements and have never been late paying my mortgage. 

I am asking for assistanace in clarifycation and being reimbursed the {$15000.00} from Select Portfolio Servicing the company that now services the loan and made the determination that I owe the additional funds of {$15000.00}. 

Inaddition, On XX/XX/XXXX I requested an explination of why I had to pay the additional funds, in XXXX a comment was placed on my credit profile which dropped my XXXX XXXX XXXX points. The statement said " I disputed the information '' which is not true, I simply asked for an explination of why I had to pay the additional funds and the inquiry was closed. I am refinancing and leaving this company and need to have this information removed from my credit file. 

I signed closing documents on XXXX XXXX, XXXX and funds will be dispersed to SPS on XXXX XXXX, XXXX. 

I am not sure who the actual holder of the mortgage is, at one time I it was XXXX and now it is sposed to be XXXX XXXX. I was unable to obtain additional information such as account number etc. 

Please help me to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXl XXXX XX/XX/XXXXXXXX XXXX  Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MO
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:
I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-08-20
Company: General Motors Financial Company, 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: Problem with personal statement of dispute

Complaint:
I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX  and XXXX  about this XXXX  corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX  credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX  report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Midwestern Health Management INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, XXXX XXXX called and threatened garnishment on my wages if they did not get a full payment of {$900.00} today on a medical bill that was not paid in full back in XX/XX/XXXX or XX/XX/XXXX. I haven't changed my number in 10 years and she initially joking laughed that she had to call my job because was not able to contact my personal phone. I advised her that I needed to look into what she was talking about and she said since you won't take care of it today, I'll go ahead with garnishment, and hung the phone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Lending Club Corp
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX in XXXX XXXX about the lending club reporting my account wrong. I told them I was late in XXXX not XXXX which they opened the dispute. In turn for retailation the lending club posted my account late in XXXX again and now XXXX I spoke to the chat person they agreed I had not been past 30 days in those two months. XX/XX/XXXX they send me where I can dispute above some line in an email. I do this and they then repost the lates so my score keeps tanking I am in line for XXXX and this has cost me a 2 month delay due to incorrect posting and the damages are insurmountable. Now they send me another email to go to XXXX which XXXX they know will not open a reinvestigation that has been done. I spoke to XXXX. So I have exhausted all avenues fighting with this company for lates that were not valid and are not valid. They do not listen I have called and chatted been hung up on.. Your my last resort before counsel ask for damages as XXXX shuts down at the end of this month I am XXXX points away and the points I keep dropping from this error is in excess of XXXX its called reaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2018, XXXX XXXX and XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX, OH XXXX. We applied for credit, and we were approved. We signed the contract and received the keys. On XX/XX/2018, the lender was contacted to make a payment. The lender said they had no record of the loan. Thirty-seven days from the date of the contract, On XX/XX/2018, we were told by XXXX XXXX XXXX to return the car to the dealership and that we were not approved for credit. I was told I would be in big trouble and they would have to involve the police if I didnt comply. They offered to approve a loan for an older car for a much higher interest rate. The contract I have said there could be no verbal agreements to change the contract. The contract also stated that it is a binding agreement after ten days of the execution of the contract. I have received nothing in writing. I believe this is an unfair credit practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information please remove immediately from credit reports, I also dont remember doing any business with this company, do to XXXX XXXX XXXX  violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-06-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed a number of hard inquiries on my credit report and have not have them removed even though XXXX has investigated this issue and found them incorrect. They have deleted them, but Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
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:
Even though I have previously written about Equifax continuously reporting XXXX XXXX XXXX on my credit report after I received another notice that the account was removed from my credit report, it is still reporting. I pulled a new report on XX/XX/2021 and the account is still reporting after it was supposed to be removed. Equifax is not budging. I have proof again the account was supposed to be removed and it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 A company named XXXX access my Consumer 's report without my authorization. TransUnion allowed this access with a credit freeze in place.

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 2021-12-20
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Financial , Inc. has failed to remove their account completely from my XXXX Credit Report per Amended Final Approved Order issued by the Court of XXXX XXXX, XXXX pursuant to Class Action Settlement in Case No. XXXX. I am an identified member of the Nationwide Class under this order, and on Pages 7-8 ( copy attached ) of the Order it stipulates that Ally waives any deficiency balances as a result of a repossession under the case terms ( which mine was ) and will DELETE any trade lines reported to CRA 's XXXX It appears that they have removed it from XXXX and XXXX, but have not removed it in its entirety from XXXX. I am currently in the process of purchasing a home, and this account still showing on my credit report is causing issues with my loan approval that I am on a deadline with the builder to submit to avoid losing {$5000.00} deposit by not meeting the terms of the loan approval deadline. Thus, this is an URGENT matter that this be corrected immediately by Ally. Time is of the essence. I am encountering significant damages to my credit score from XXXX as a result of this account still showing on my credit report with them. Please have this removed promptly.

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted trans union in XXXX to complain that the my payment percentages were incorrect. I have missed 1 student loan payment ( XX/XX/2017 ), and yet my ontime payments are showing 95 %. I also explained that my scores with both XXXX and XXXX are both approximately 100 points higher that trans union is reporting. They temporarily increased my score by XXXX points after their investigation, and I thought all was resolved. I checked my score today only to find that they have once again lowered my ontime payment percentages when I havent missed any payments and my score has once again dropped drastically!! How is this legal??

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 2023-09-09
Company: PNC Bank N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/23 I contacted PNC bank to obtain my credit card number as the card was lost long ago and I needed the credit card # to reset forgotten online user id/password to view my statements. I have contacted PNC bank both by phone and online chat and PNC refused to give me my card number, the phone rep was rude and the chat rep told me the only way PNC could verify my identity is for me to travel from NY to a PNC branch in PA in person. 
PNC emailing me monthly that my card statement is available online. As alternative to solve the issue I asked PNC to switch my statements from online to regular paper so I receive them in mail, PNC refused to do that also. 
I filed a XXXX complaint against PNC also, PNC refused to answer and wrote back call PNC if you have issues, given the rudety of PNC phone reps and hours long waits on phone, I did not follow. XXXX accepted PNC refusal to answer the issues and considered it an answer then closed the case. At this time PNC taking payments monthly from my XXXX XXXX checking account but not giving statements or indicating balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 604 Section A States I have a 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to express my concern with a letter from Wells Fargo Home Mortgage and subsequent phone call today with an Wells Fargo Home Mortgage agent ( XXXX ) regarding the possible removal of PMI on my mortgage account. In early XX/XX/2018, I inquired about the ways to remove PMI from my monthly payment. I was given 2 options over the phone and similar option when reviewing online. A few weeks later, I got a letter dated XX/XX/2018. In this letter I was given a third option for a Broker Price Opinion ( BPO ) that would satisfy the PMI removal request as long as the home value came in high enough. The letter I received simply states that the process involves measurements and photos of the property to assist with current market information to provide a new estimate for the home. When I called Wells Fargo today ( XX/XX/2018 ), I asked for clarity on this option. At that point, XXXX indicated that a structural upgrade would be required and must have been completed before the BPO assessment. Had I not called today, I would have simply followed the  instruction on this letter and had been out the non-refundable {$200.00} that was the last condition indicated in the letter. I feel this is unbelievably deceptive. A reasonable person should not have to call to double check on something like this, when the disclosures appear to be clear in the letter provided by a financial institution. How many other people are sending in their money for no reason?

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