BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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: Investigation took more than 30 days

Complaint:
I certified mailed letters to Nissan Motor Acceptance Corp. on XXXX XXXX, 2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. Nissan Motor Acceptance Corp. failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Initiated dispute with Trans Union XX/XX/XXXX and have continuously disputed with the most recent dispute of the same tradeline occurring XX/XX/XXXX - nearly a year. The account in question is reported as derogatory by TU for an auto lease that was paid in full ( early ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent via certified mail to TU included with the dispute. TU continues to ignore the facts and state in results of their investigation that this account was verified as accurate. In addition to certified mail disputes, I have called TU several times, and filed the dispute online several times. 

The account in question was closed satisfactorily XX/XX/XXXX. Given that ( 1 ) this account was never derogatory with documented evidence provided from XXXX XXXX, and ( 2 ) even if derogatory is well beyond the 7 year maximum limit for reporting a derogatory condition for an account. TU has violated my consumer rights afforded me by the FCRA.

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 2021-04-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.

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 2018-07-19
Company: Cooling & Winter LLC
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:
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.

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 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America keeps sending me an email from time to time asking me to pay an amount I do not owe. 

Around the beginning of 2019, I got a call from them asking me about a massive overdraft on a checking account that was not in use for a while, I advised them those transactions were not made by me and therefore were unauthorized charges, they said it should all be okay then. 

After a while I still received a notice from them to which I reacted and called them to very why was I being charged all this money on an account I wasnt even using, they said fraudulent checks where deposit and cashed out of my account and that they were investigating but I shouldnt be concerned if it wasnt me, so I forgot about it. 

Then I recently logged in to my old email account where I found a monthly email from them about this. I do not owe this money and have no idea what kind of scam this is, so I figured a complaint would be my only option now. 

Please see below the email they send me. 

Account number ending in : XXXX XXXX XXXX : This is a reminder that your deposit account has been charged off after being overdrawn for several months. The total amount due is {$6100.00}. 

Youre still responsible for paying this amount in full. 

What you need to do You have several options for paying the amount due : Call us at XXXX, Monday through Friday XXXX XXXX  to XXXX XXXX. XXXX to pay by phone. 
Make a payment at a nearby financial center. 
Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. 

We're here to help We appreciate the opportunity to work with you to resolve this issue. If you have questions, please call us at XXXX, Monday through Friday XXXX XXXX to XXXX XXXX. XXXX. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Thank you, 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 2020-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter in the mail from Experian about my bankruptcy dispute. I requested an investigation on asking how they verify the bankruptcy on my credit profile. Experian updated my credit profile with " Outcome remains ''. They also stated that the received the information from XXXX XXXX which was frozen. This is a illegal and unacceptable. Attached is a copy of all documents listed in process with my dispute. Also the mail dispute date is in attachment in certified mail.

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 2018-04-04
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon verifying my credit reports, it appears that this company is being deceitful. They are using two different names on two different credit reports. On XXXX, they go by XXXX XXXX XXXX  and on XXXX, they go by XXXX XXXX XXXX. The billing statement that was sent to me is from XXXX XXXX XXXX. I verified that XXXX XXXX XXXX are not licensed to collect in the state of MI. Prior to determining that they were not licensed in MI, I sent them a letter requesting validation of the debt of which they state I owe. To date, I have not received a response, however the certified letter that was sent to them was received less than 30 days ago. At this point, I am requesting immediate removal of this collection account from all bureaus of which this account is being reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX extra points account has been enrolled in a debt management plan for 2 years. XXXX XXXX XXXX paid the payment in XXXX on XX/XX/XXXX. As of XX/XX/XXXX I was charged a late fee. I paid the account off on XX/XX/XXXX. XX/XX/XXXX I received a new statement with the last bit of interest and a late fee that should have never been assed. I call in and they tell me to call the debt management department. I call them and they tell me I'm not in a plan and I have to call the normal number. Their secure messages have not been answered and I have no way to talk to someone. I just want the late fee removed so I can pay the XXXX $ in interest and complete my obligations. I am getting no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until 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 monetary relief
Consumer complaint received 2021-08-10
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my 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 2021-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hey on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 40 pluds days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Consumer Portfolio Services, Inc.
State: CO
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:
Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Navient Solutions, LLC.
State: DC
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 received notice from the Bureau of Fiscal Service, US Department of Treasury that they were attempting to collect a debt on behalf of another federal agency without first being notified by the original agency. In addition, the Treasury initiated credit bureau reporting at the same time they sent notification of collection.

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 2021-06-22
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from US Bank and they have reported 30 day late payment in XXXX of 2020. I was not late and have tried to get them to look into but I am not getting anywhere.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2021, I refinanced my vehicle with Capital One. When this happened, they ask me to sign a limited power of attorney so that they could be placed on my title as lienholder. This was completed and verified by Capital One as being completed on XX/XX/2021. According to the previous lienholder the title was sent to Capital One in XXXX as well. On XX/XX/2021, I purchased a new vehicle and got an offer from XXXX to purchase my vehicle that is with Capital One. I went to XXXX on XX/XX/2021 to redeem my offer on my vehicle and was advised that Capital One was not listed on my title as lienholder and that I needed to contact them to fix the situation in order for XXXX to purchase the vehicle. I called Capital One and was advised that they received all the necessary documents in XXXX, however had not sent the documents to the XXXX to be placed on the title as lienholder. I asked why this hadn't happened yet and that the vehicle is being sold and that I had a new vehicle and needed to sell this vehicle and was advised that " they have just been so busy and will be able to send the paperwork to the XXXX on XX/XX/2021 and will be able to track the paperwork with a tracking number once it is sent. I explained the situation and asked if there was anyway to expedite the process. The gentleman laughed and stated that was not possible. Then was quoted that this process takes 35 days roughly to complete and wont even start until XX/XX/2021 when they are able to send out the paperwork. I am now stuck with 2 vehicle payments, 2 insurance premiums and I can not do anything until this process is completed some ( hopefully ) 2 months from now. It can not be possible that people can conduct business like this. This is ridiculous. I have also written a letter to them and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have not had access to my unemployment benefits at all since I started receiving weekly benefits seven weeks ago. My benefits were issued to an old card that was expired and I also no longer had access to either. I have called US Bank Reliacard numerous times over the past seven weeks, each time remaining on hold for a minimum of six hours and twenty minutes. I have been told that they are unable to send me a replacement card because my address in their system is still my old address from 2016. They have told me that they can not update my address and only Louisiana Workforce Commission can update it. However, my address is correct in the Louisiana Workforce system already and has been since I filed my claim seven weeks ago. US Bank Reliacard has also told me that they can not transfer my balance that I have no access to onto another card or account that I do currently have access to as well.

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