BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nissan Motors Acceptance Corp, my lender, sold my debt to XXXX XXXX XXXX ( XXXX ), a credit collections agency sometime after I defaulted in XXXX or XXXX. I contacted XXXX to settle the debt and they agreed to accept a settlement and report the debt as " paid in full ''. 

However, now in XXXX, although XXXX shows it paid in full, Nissan is still showing a balance in excess of {$3000.00}. They advised that they do show the debt as " settled '' but maintain that though they won't collect the $ XXXX that they will continue to report it as a balance due. This completely contrary to the agreement I made with their agents at XXXX and contrary to the specific verbiage provided for in my settlement letter from XXXX which reads : " ... your account will be shown as settled in full and final compromise of the debt. '' I believe Nissan must honor this agreement and report my debt as settled in full as agreed to with VRS. I also believe that they are in breach of FTC reporting laws, which I have advised them at least twice on a recorded line. 

CC : Nissan Motors Acceptance Corp Nissan Motors Accept Corp XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had taken out 3 loans with Ally lending. They sent me detailed communication on how to enroll the first loan account ( XXXX XXXX XXXX XXXX ), but I received no communication on how to enroll the other two accounts. I did not even receive the account numbers for the two accounts.

I started receiving text messages that my payment was overdue. None of the text messages mentioned on which account was my payment overdue. When I logged into their system, I could see only 1 account and the payments were being made on time. Which confused me. I started receiving more texts. 

I then had to call customer care on XX/XX/2021 to find out the other account details, enroll them and then pay the loans off. The account representative 's user name is XXXX. 

In summary, while I received detailed email instructions on how to setup payment for the first account, I did not receive any communication for the other two accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.

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 2017-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to update/correct my following personal information below on file with the way you are reporting it. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : ( These addresses are incorrect and are not an accurate address for me. Delete these addresses for violating the FCRA. ) XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXY XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR 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 2021-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
earlier this year. The credit report from XXXX XXXX shows this alleged collection account was XXXX deleted from my credit file. Now, these items have been reinserted on my credit report. 



In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i5 ( b ) } Notice to Consumer If any information has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 



( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 



I received no such notification. furthermore, when this account was reinserted back into my credit report the Status Date remained the same from XX/XX/XXXX which does not make any sense at all. This is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Your agency may avoid such action by immediately deleting this listing from 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 explanation
Consumer complaint received 2021-11-10
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on QUALITY ACCEPTANCE LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: DISCOVER BANK
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC XXXX Balance : {$19000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ONEMAIN FINANCE CORPORATION
State: CA
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:
Fraudulent inquiry on my XXXX  credit report. Someone used my personal information trying to get something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
False debt was re-inserted onto my credit report and failed to notify me within XXXX business days.

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 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I participated in the COVID relief program from XXXX. Mortgage payment is {$1400.00} monthly. $ XXXX {$16000.00}. In the month of XXXX I entered a mental health/chronic pain facility for 2 months. Upon returning home I discovered that the forbearance period was up and that I owed for XXXX. Unfortunately I was waiting on XXXX insurance to pay out and fell a little more behind. Once I received my back pay I paid my mortgage in the amount of on XX/XX/XXXX in the amount of {$14000.00} to catch up for current months due and pay ahead. I also moved some partial funds to equal another months payment. After that I paid 2 more payments {$1400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX. At that time I was told my mortgage was paid ahead through XXXX first. In total I paid {$9800.00} which should have covered XXXX. I was advised on 3 different calls that my payments were being applied towards current months and that my credit wouldnt be affected by the forbearance amount and there would be no late fees or charges. During a conversation with Bank of America today I was informed that my home is in danger of foreclosure and that the monies Ive paid were applied towards the forbearance amount of {$18000.00}. ( Not sure why the difference between {$16000.00} which is 12 months of payment and {$18000.00} ). Even with payments made records from BOA show a total amount due of {$19000.00}. My credit score has now plummeted and late fees are high. There are so many discrepancies in amounts and payments applied and the representative did not explain so that it made sense.

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 2021-11-10
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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: Account status incorrect

Complaint:
I financed a car thru XXXX XXXX XXXX. When I purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called XXXX XX/XX/XXXX XXXX my finance XXXX XXXX XXXX XXXX XXXX company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything

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 2020-05-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to make a purchase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not had it approved when I had over 4- {$800.00} available on my credit card he purchase is to provide for my 2nd Amendment Rights as an enlisted serviceman I demand that this be rectified. As I believe they have an associate which had a poor relationship with me XXXX XXXX which I filed multiple EEOC compliants XXXX XXXX XXXX v. CITI. If he is interfering with my credit account he is committing a federal offense amount the others he has for his displays of blatant racism. Customer Service Rep XXXX XXXX failed to provide excellent service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have experience fraudulent charges on my Capital One credit card. After opening disputes, Capital One reapplied the charges and provided a vague letter with no information regarding the dispute. There are 3 transactions that are fraudulent. The fraudulent transactions are : XX/XX/2022 XXXX at XXXX XXXX overcharged {$100.00} ( {$610.00} instead of {$510.00} ), XX/XX/2022 XXXX XXXX for {$32.00}, and XX/XX/2022 XXXX XXXXXXXX  charged {$130.00} but less than half of merchandise ( missing photos of myself and video of XXXX XXXX ) was provided, resulting in an overcharge of about {$65.00}. Enclosed is receipt from XXXX XXXX, Email alert from Capital One on XX/XX/2022 to inform me of fraud from XXXX XXXX and my email communication with XXXX XXXX ( who has not responded ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Over the years I had noticed a few times it seemed money was added to my student loan balance in addition to the interest, so I started keeping my own records. I noticed a balance added with no reason when I logged in on XXXX XXXX XXXX. The week prior, XXXX XXXX XXXX my balance was {$24000.00} and I made a payment of {$300.00} ( Which would lower it to about {$24000.00} ). The week after a balance was mysteriously added to my account. On XXXX XXXX the balance rose to XXXX.I track the interest accumulation carefully and this one did n't add up. 

I made multiple attempts of getting an answer from customer service and trying several reps, in which they denied it ever happened. They told me my records were not correct, not only on that day, but they actually changed the balance amounts historically to reflect a higher amount on specific dates. I finally reached a manager after multiple attempts for and answer and hours on the phone. The explanation after extensive digging ( and denying it ) was that " they added back uncapped interest from XX/XX/XXXX'' and that it was an error in the system which effected a group of accounts, so they added it back in XXXX. I sent in a certified letter requesting the explanation in writing on XXXX XXXX, but they refused to provide it. They would only call an offer to explain on the phone. The real thing to consider is ; how many other times have they done this and not been caught? This could have happened multiple times and who knows how many students. Adding money 3 years after the apparent system error did not sound believable to me and it took a long time before getting an answer.When I graduated I owed roughly {$24000.00}, over years of being underpaid from corporate greed the balance grew to {$31000.00}. Finally with a better income I was able to pay it back down to the original amount. How many other times they discretely added money in there we may never know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive received my credit report and I noticed some unauthorized items on my report that shouldnt be reporting. This has been troubled times during the COVID 19

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 2021-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was driving for a XXXX and one of my rider started begging me for money since he had reached his day limit of XXXX and in return he wrote me two cashier checks of {$550.00} each then i made sure the amount of {$1100.00} reflects my account so I gave the rider {$900.00} in cash. on XX/XX/XXXX Chase bank subtracted {$1100.00} from my account claiming that the check were returned or stopped by the issuer. I have attached the copy of the checks, the fraudsters account belongs in XXXX XXXX  their info is on the check. The fraudsters number is XXXX, his name shows as XXXX on the XXXX account. 
If hadn't shown the check has been cleared i would have never given him {$900.00}. if there were no banks I would have never gotten into this mess in the first place. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
pursuant to FCRA 15 U.S. CODE 1692B ( 2 ) FDCPA 15 U.S. CODE 1692a I have a right to an accurate consumer file and when asked via written correspondence this company should have provided me with verification of this debit being mine and they haven't, therefore I am demanding this account be removed from my consumer reports

Company response to consumer: Closed with explanation