BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The payments were becoming to overwhelming to pay every month ; alongside with car insurance, totaling roughly XXXX month. To make matters worse, the transmission had went out ; but i still owed payments on the car. I went to a few car places, some werent able to fix the issue, but one place said that they could. The price that they offered was very outstanding and i couldnt afford it. I retrieved my car, called XXXX XXXX XXXX and let them know i wanted to surrender the car. I dropped the car at a local XXXX dealership ; the representative offered me to buy another car, i refused. The car was putting me in hardship, i thought i relieved some stress by surrendering ownership of the vehicle. Nissan Motor Acceptance picked up the vehicle in about a few weeks ; sold it, sent me a letter stating that I owe over XXXX. Considering that they have sold the car, the amount only decreased about XXXX. Honestly, I think that is too much money that i should be left paying for a car that I do not have possession of anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Credit Control, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday I receive a phone call from Credit Control on my cell phone ( XXXX ) and on my work phone ( XXXX ). I have told them to stop calling me and mail me whatever it is they think I owe. They are beyond rude and although I have t old them to stop calling me, especially on my work phone, they keep calling. Every single day they call me. It is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a COVID-19 loan forbearance with XXXX that was set to expire on XXXXPrior to that date a company called Gregory Funding bought the loan . In XXXX I contacted them prior to the end of XXXX by phone ( very difficult company to deal with they have 6 hour hold times on average ). I was told that I would be put on a streamlined program which would basically have me start making my normal payments of approximately $ XXXX as usual. I didn't hear from them for over a month then received loss mitigation paperwork. I contacted them by phone again in XXXX and was told to fill out the paperwork and that even though my loan is an FHA loan Gregory Funding does not have to follow federal guidelines because they are not an FHA company. I asked to speak to a supervisor and was told one would call me back. That has not happened. In the meantime I have received a 'notice of intent to foreclose ' letter and they intend to foreclose on my house on XXXX XXXX. According to your website the company needs to work with my to offer a payment solution and can not simply ask for me to pay the entire sum as a lump sum. However that is exactly what they have done. I believe that Gregory Funding is a predatory company that is specifically targeting houses in Florida trying to take advantage of consumers who utilized the federal COVID-19 forbearance program. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX XX/XX/2022 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB, I writing this in request to XXXX  XXXX XXXX to provide me a 1099-C for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a 3949a and enter litigation.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.

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 2020-01-15
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had the XXXX Rewards card for a couple of years now. I constantly use this card and I have never had a late payment. I have tried to increase my limit of {$250.00} for some time now but they refuse. I have been very good to them and it is the least they can do. Card ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A finance account with Dividend Solar Finance was open by my ex-wife using my personal identity information. The account was established on XX/XX/2023 for XXXX. I was not present nor did I authorize any business dealings with this company. I discovered this account when it was reported on my credit report for missing payments. I contacted the company and learned that the account was set up in person by an representative from XXXX XXXX XXXX. XXXX XXXX XXXX is the company that performed the bathroom remodeling that was financed by Dividend Solar Finance. I have never met or had any knowledge of any of these companies until my credit report alerted me. I have a copy of the financial contract that has my name signed on it however it is not my signature. The representative from XXXX XXXX XXXX should be able to answer the question of what form of identity was used by the person they got to sign for this loan. I was on official government travel in XXXX GA on XX/XX/2023 and was not in the state of North Carolina

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller was professional and did not use abusive language or call to frequently. 
My problem is they demand that i disclose my Social Security Number and refuse to verify my identity any other way. 
The Privacy Act of 1974 as well as Virginia 's Protection of Social Security Numbers Act make it unlawful to deny any service for refusing to provide my Social Security Number. The Creditor is stating they are associated with collecting a debt of {$XXXX} from Virginia State Taxes. I have attempted to contact the Virginia State tax office however, the phone has never been answered for my numerous calls. Seem there is no way to contact anyone at the tax office. It seems very strange and suspicious that a state tax agency would place {$XXXX} to a private collection company based out of state ; that is either unfamiliar with the law or disregards it. This is such a minor amount of debt that I had thought was already paid as I do every year. The collection company is called PennCredit corporation located at XXXX XXXX XXXX XXXX, PA XXXX with a phone number of 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
This is my OTHER 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
i recently found some inquiries that arent mine on my credit 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I loss my home because Wells Fargo could not complete the loan modification process this all started back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Amsher Collection Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice on my Credit Report that I had a Collections. I disputed it and found out it was about a XXXX  debit. I never received a bill or anything saying I owed them. I filed a dispute with the Credit Reporting Agencies and the XXXX, back in XXXX. I got a response from XXXX on the XXXX  dispute. I responded telling them I was never informed about a bill and if they would send me a bill I would pay it. No response back. I received a letter last week from the Collections Agency asking me to pay the collections, this is the first notice I have received about the Bill/Collections. 
I don't know what to do to fix this. My credit has been damaged. I should have received a bill to pay not a collections. I have tried to find Legal help, no one responds or they don't have time. 
Can ANYONE advise or help?????????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Public record information inaccurate

Complaint:
I financed a car with Toyota finance for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and Toyota finance was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised Toyota that the insurance was in force and Toyota sent the case to their total loss unit. Because of Covid-19 all of the toyota and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to Toyota. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for toyota immediately file a proof of claim even though Toyota had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the Toyota remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX Toyota withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the Toyota XXXX, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay Toyota the claim as a total loss, which was legal and binding because Toyota was an additional insured and therefore a direct beneficiary of the State farm insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my checking account through a web page that advertised {$300.00} for opening an account and also making direct deposits of over {$1000.00} in the next 60 days. On the web page, there was a link to open the account right from there or it said you could go to the branch and open in person with a code. I pressed the link and continued to apply and open an account. I made the qualifying direct deposits. After 90 days I called to check when it would come and they said anytime during the month but then they saw no banking code attached to my account and said that I would not be receiving the {$300.00}. I was transferred and told the same thing. I asked for it to be elevated to a supervisor to verify what was going on. I have since received a letter stating I would not receive the funds because there was no code attached to my account. I have spoken to them 3 different times. There is no resolution and I know for a fact that I should be receiving the money because I was comparing bank offers for opening an account and went with them because of the XXXX. Please help me resolve this. Maybe there is a way for them to trace back to the web page that I started from. Thank you for your time,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NJ
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:
According to section 611 ( a ) failure to investigate any items within 30 days give clear reason for immediate deletion of said accounts from my credit file. I already sent my complaints to the XXXX XXXX XXXX XXXX  XXXX  ) and the federal trade commission ( FTC ). So beware that this aint no regular dispute, To my knowledge I have no clue as too what these items is or even who the XXXX they belong to. This is ridiculous I Kant afford to wait another 90 days to get a response that's if you ppl even decide to respond. Let the record show this is not the first time your company chose to ignore me. This needs to be taken care of expeditiously. You will force my hand to open litigation If you do not meat my demands for immediate deletion. Your company has caused me too much time, money, stress, and suffering. As mention before it has been well over 90 days which mean this account should be deleted ASAP

Company response to consumer: Closed with explanation