BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nissan Motor Acceptance Corporation continues to call my mother-in-law at XXXX. NMAC has been instructed according to PA Law not to call my wife or I at work, and provided our home phone number of XXXX as contact for the account. No other number is valid. The harassment of my mother-in-law must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: North Georgia Regional Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was attempting to make small monthly payments after a child 's XXXX but was quickly turned over to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Us Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-06-24
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of  these is a XXXX XXXX  and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft Report # 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 2020-08-25
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm was unaware of this account ( AD ASTRA RECOVERY SERV # XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: NATIONS RELIABLE LENDING LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Realtor, mortgage company and title have a duty to make sure that clients are being taken care of in a professional and expeditious manner. All and all though the paperwork process income state was communicated to multiple parties/ originators ( XXXX XXXX ) whom advised that such would not hinder the proceedings. With that being said, I don't think my file was treated with diligence and my best interest at heart. An appraisal was ordered on the property without the file being submitted to underwriting, so I'm out {$570.00} for an appraisal along with my option and inspection with no house to show for it. Then for me to finally get to the proposed day of closing per contract, only to find out that the deed is not dated within the time period for Texas state law, this should have been discovered a long time ago. At the end of it all, I have every party involved arguing through email and playing the blame game in which no one wants to take responsibility. So what am I to do when I have professionals working on my behalf who have " dropped the ball ''. 

Honestly do not think buyer was represented well. This miscommunication of vital information is undesirable. For Buyer to be working on paperwork for this property since XX/XX/XXXX and now XX/XX/XXXX a fault is being noticed is obnoxious. 

Then the representative XXXX XXXX XXXX will not accept the fault of XXXX XXXX finding the error that the deed was not sign until XX/XX/XXXX and submitted XX/XX/XXXX until the proposed day of closing XX/XX/XXXX which was never communicated to buyer. 

Staff is not on the same page and sells dreams and misleading information

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 monetary relief
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

PayPal has permanently limited my PayPal account. However, the funds they have locked are refunds due to PayPal Key Transactions. Instead of refunding to my underlying credit card, PayPal refunds to my balance, which they are limiting. Essentially, PayPal is charging me for the transaction, and denying my refund from the merchant. The transaction in question relates to : Transaction ID : XXXX {$5300.00} I do not see how PayPal is allowed to hold my funds and block refunds on an account that was solely used for PayPal Key transactions. PayPal also will not allow me to dispute this transaction with the merchant to resolve it, as they have blocked my account from that feature!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has an account on my credit report that is passed the statute of limitations. The account status is also incorrect. The account has been paid. This account is also passed the statute of limitations and should have been removed from my credit report. the date of deliquency is incorrect. I have disputed this information with Equifax and it fails to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: PROVIDENT FUNDING ASSOCIATES
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:
XXXX XXXX who is my Lender for Loan XXXX. 

XX/XX/XXXX late fee removal denied due to the fact that you posted your XX/XX/XXXX payment on line on XX/XX/XXXX but it was after business hours which posted on XX/XX/XXXX. We did audit their site portal and they do have a disclaimer on the hours for payments made online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX  XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted Experian and they are doing nothing to correct these errors.

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 2018-06-24
Company: Experian Information Solutions Inc.
State: FL
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:
Experian continues to report fraudulent information on my credit report. I was incarcerated for 7 years and my identity was stolen. These accounts are fraudulent and need to be removed from my report as it is a violation of the FCRA : 1. XXXX XXXX XXXX # XXXX  2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX  4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX  6. XXXX   XXXX XXXX XXXX # XXXX  7. XXXX/XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX  ( 6 accounts ).

9. UXXXX 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 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Auto Finance is misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Profit Services Group
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Profit Service Group is reporting a collection on my credit report on a debt that was paid to the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I defaulted on the credit card in 2018 and they closed my account and wrote it off. They sold the debt to a collection company. Not knowing any better, I paid the collector. They still claim that I owe them money. They continue re-opening and closing my account every other month, and adding remarks to my account. Ive tried clearing this up with them and they claim that they never received the money from the collections company. They will not address why they keep re-opening and closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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:
I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

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 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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:
On XX/XX/2021I noticed EXPERIAN has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EXPERIAN has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EXPERIAN in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EXPERIAN permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2016-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I called my mortgage company ( Citi Mortgage ) and told them my sons dad left and id be down 1 income and wasn't going to be able to make my full house payment. at this time I wasn't behind at all. They told me no and in order to receive any help from them I would have to be behind in payments. So XX/XX/XXXX came and went. Now XX/XX/XXXX I applied for a modification. over the next year Citi did nothing but gave me the run around. I had to submit the same documents numerous times, they would close my application for no reason, I had turned in every document before the due dates, I have confirmation from them numerous times that all my paperwork was with underwriting, they switched homeowners specialist on me 3 times. And I have all documents, emails, mail that proves this. So finally comes XX/XX/XXXX and they come to me with a modification. Now the whole past year of them giving me the run around I now am behind {$10000.00} when it started I wasn't behind at all. So they tell me my new Making homes affordable modification is {$900.00} a month, no change to interest rate, and my loan gets pushed back to 30yrs. My original payment that I couldn't afford was {$850.00}. If they would had done this within 90 days since I did my part then I wouldn't had gotten behind. So then I asked them what if I pay {$6000.00} then will that lower my payment they wouldn't accept it. They did this on purpose and have been taken to court and lost for doing this to others. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PRA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CITIBANK, N.A.
State: IN
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:
I booked a hotel room through XXXX, for a hotel room in XXXX XXXX, IN. The 1 night stay was on XX/XX/2018. Upon arrival, the hotel staff charged my ( CITI credit card ending in XXXX ) for XXXX and stated that it was just to cover incidentals, which I know is normal, however it was never refunded even after being told it had been refunded. My credit card is stating that it was a legitimate charge but that the XXXX charge was never used so they took it upon themselves to initiate a dispute for that amount of XXXX ( CITI card ending XXXX ). The amount I paid on XXXX was the correct charge but the hotel and the credit card company will not reverse the charges that the hotel charged for the same stay. I have tried numerous times to get corrected since that date and even have email where hotel reported having refunded the money, however, it has not been placed back on my card ( XXXX ). I have documentation showing the numerous times I have tried to get corrected.

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 2020-07-02
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collection XXXX & XXXX : This account is double reporting on my credit file. This is for the same debt.I was unaware I even owed this debt as I never received any notices for it. It is however a violation to double report the same debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.

Company response to consumer: Closed with explanation