BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I have made several attempt to resolve a complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC regarding a Forged contract. I retrieved a copy of the contract from Nissan Motor Acceptance Customer Service. I ask for it because there was a discrepancy in dates from what the rep was showing and what my original contract was showing. I then asked the rep to me me a copy of what she has. I received a document that I never seen before with my " forged '' signature which appeared to be signed by XXXX XXXX ( Finance Manager ) whom I completed my paperwork with on XX/XX/XXXX. I received the lease vehicle and copy of my contract on XX/XX/XXXX. This newly created contract has a purchase date of XX/XX/XXXX which is indeed incorrect. I NEVER returned to complete any additional paperwork and the signature on the contracted date XX/XX/XXXX Is certainly not mines ( This can be compared to the original documents with " my '' personal signature ). 
Further more I brought this to the attention of the General Manager XXXX XXXX whom I had a conversation with. He tried to steer me away by advising me to file complaint against the x employee ( XXXX XXXX ) However I reminded XXXX XXXX that the employee represented the company ( Nissan ) at the time and technically because this is a forged contract should be viewed as a VOIDED contract. XXXX XXXX states he would call me back on XX/XX/XXXX with some possible solutions. To date I have received no return call. I have also reached out on numerous occasion after the forth only to be hung up on by XXXX XXXX ( General Sal Manager ) whom I have also spoken with regarding this matter. My calls are currently being ignored. This is poor & unprofessional business behavior. In addition to calling I have even gone to the location only to be told the managers are in a meeting. 
I have since recently filed a complaint with the Attorney Generals office regarding this matter. This has been very stressful to deal with and has caused a negative impact on my health. I do not intend to or will ever purchase another Nissan vehicle. ( This is my 3rd ) and quite frankly I have had poor experiences each time with them all. So the sooner I can terminate my relationship with Nissan the better I will feel and happier I will be. I do plan to seek legal representation if an agreement can not be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: JPMORGAN CHASE & CO.
State: UT
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:
On XX/XX/2020 my spouse 's XXXX account was hacked and fraudulent purchases made. We both use our XXXX XXXX rewards card for our purchases. We contacted XXXX and the issue was at first resolved. The transaction was cancelled, and we replaced our credit cards just in case. 

Later, we received an email from XXXX saying Chase had disputed the refund and we needed to pay our my spouse 's XXXX account would be locked. We were advised by XXXX that we needed to handle this issue with Chase bank. 

I have spent at least six hours on the phone last month, as well as sending electronic messages through Chase 's secure message system and even sending a direct message on XXXX. It was through XXXX I was able to get a fraud reporting number which unfortunately is not immediately apparent on Chase 's website. 

My last communication with Chase on this issue, approximately two weeks ago was by phone. The agent assured me they would credit my account for {$50.00}. This has not happened. 

I feel that the amount of time I have spent chasing this {$50.00} is absurd, even taking into consideration the pandemic. If anything, Chase should be devoting more resources to protecting their customers from fraud considering the spike in scams taking advantage of the pandemic. As an aside, I am also concerned that XXXX would effectively hold someone's online shopping account hostage during a pandemic when we are supposed to be social distancing, simply because Chase bank is unable to process fraud claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We refinanced an auto loan we had with wells Fargo and we never received any money back on our gap insurance.

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 2020-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have never financed a vehicle before in my life. I worked at a car dealership as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX and I need to finance a car and cant because of the Malicious error.

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 2019-10-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXX  by which i take XXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX of XXXX I opened a loan account # XXXX at the XXXX location inside the XXXX in XXXX XXXX, TX. Due to financial hardship I had to let that loan go so I stop doing payments. My financial situation improved and I had the chance to purchase my first home. My loan officer advices me to settle that account since it was affecting my credit and I would not qualify with it. On XX/XX/XXXX I called the billing department and I settle my {$6000.00} charged off account into a single payment of {$3500.00}. The rep XXXX XXXX gave the confirmation # XXXX and promised a letter stating the {$0.00} balance within 5-7 business days. Its been 29 days and that account still appears as debt and I have not received the confirmation letter. I called on XX/XX/XXXX asking for an update and the letter. The rep told me that its still processing and that it would take another week. He said he would escalate. On XX/XX/XXXX I called again with rep XXXX XXXX and he recognized that timeframe given was ridiculous. He knew that the company has messed up and he gave me the reason but he explained that the situation was not on his hands. He said he would escalate again to what I mentioned that it was already escalated. So I questioned what the previous rep and supervisor have done. He said supervisor XXXX XXXX would take the case. A month has passed and it has not been removed from my credit and I have not received the confirmation letter. I need the letter to close on my home or I will loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2021-09-05
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been trying to fix my credit and I started working with this company, which assists and helps in taking away false/inaccurate credit reports. After I reported these accounts as inaccurate since I did not do any medical operations for this amount that they are reporting, I repeatedly called and asked them to verify the debt and send me verification as to why do I owe this money and for what procedures. They failed to do so and never sent me anything till now. 

Not only that but the company I am working with did succeed to remove the debt from my credit report, but only for a very short time and some how this collection company managed to place it back again. Shortly after I received a phone call from them and it went as follow : The representative of this collection company was extremely rude, he said " there is nothing that you will do that will take away this debt, you will not get it rid of it unless you pay us in full. Every time you will take it out of your credit report we will submit it right back and decrease your credit score more, and start counting another 7 years '' This company name is SEQUOIA FINANCIAL SVCS. I truly need your help as this is hurting me specially during this hard times, and it just feels very abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
In XXXX of 2020, my husband lost his job due to XXXX. Our mortgage payment was paid but it was late that month. We managed to figure out a new budget and have not been late since. I have asked Bank of America to please remove the late payment from my credit report citing the CARES Act. Under the CARES Act lenders are expected to not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Also detailed under the CARES Act, lenders are required to report accounts as current. 

I've called Bank of America numerous times and they just won't help me with this. I have been told that I can sign up for a hardship program but that would only assist with future payments. I do not need to sign up for a hardship program to defer future payments. 
I am not asking for payment forgiveness or deferral. I'm simply asking to not be punished for XXXX late payment at the beginning of the pandemic.

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 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing now in wish to obtain your help. Currently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and I am submitting this in order to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has unlawfully and negligently listed a medical debt through XXXX XXXX XXXX for {$50.00} without sending me the Florida and federal legally mandated required notice of assignment giving me the 30-day right to dispute. This company has a history as listed with the XXXX XXXX XXXX of listing debts without following Florida law. The law that I'm representing is Florida statute 559.715, which states that any debt collector must within 5 days of receiving it as a debt send out a letter to a debtor letting them know that they have 30 days in which to dispute the validity of the debt before any lawful collections can occur. By this company listing the debt on my XXXX credit report, they have engaged in the collection of a debt without following either the Florida consumer collections protection act or the fair debt collection practices Act. my rights under state and federal law have been violated. This company operates as collection information Bureau and also as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Ladera Lending, Inc
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I was contacted by XXXX XXXX XXXX a loan officer at a company titled XXXX XXXX in Southern California. I was looking to gain information regarding refinancing my home via a 5-7 year adjustable rate mortgage. 

XXXX XXXX, later that day sent me correspondence for a 30 year fixed loan and an ARM loan, the ARM loan being not what I wanted, he said but did not tell me why I did not want it. I explained to him that I wanted an ARM loan due to it not needing an appraisal or pest inspection and the fact that it also offered me a lower rate. 

When we spoke again, I was told he had found a 30 year fixed-rate loan and no inspection or appraisal would be needed. I explained to him then for the first of many times, I could not afford the inspection and appraisal. At another time he told me that unfortunately, the appraisal would be required but he would assume it in the cost of the loan, not to worry. 

I decided to go ahead with the 30 year loan because the apprasal would be assumed into the loan and the old pest report could be used.

Time passed and he called me back and told me he needed a copy of my debit card to submit to the underwriter to get the loan approved ( that without the debit card print out the underwriter would not approve ) but he would not run it. He told me that he could find a way to assume the appraisal cost of {$600.00} in the loan. I agreed after again, telling him that I had no money in the account. To make a long story short, the appraisal that should n't have been required, was ordered by XXXX XXXX and the debit card was run, debiting {$600.00} from my account. I tried to handle it on my own. I canceled the pending refinance and chose another Iender and wrote the President of the Company regarding the Matter. I told them what happened and requested my money back I was contacted by the company twice, but only given the run-around. I do not understand why these companies are provider so much leeway to take advantage of consumers. Thank you. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-06
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a follow-up to complaint XXXX about AMERICAN EXPRESS. 
American Express responded on XXXX/XXXX/17, but only honored the rewards deal by giving me credit for the XXXX XXXX points. They did NOT credit my account for {$50.00}, instead stating that I would " receive separate notification about the {$50.00} statement credit and appropriate remediation once it has been resolved if you are eligible for the credit. '' I have not received any further communications from American Express. It has been over two weeks and many months since I should have received the credit. I do not understand their delay or any possible explanation why I would not qualify given the terms simply required the credit card be used one time within the first 3 months. I satisfied that requirement within days of receiving the card. 

I have grown very tired of trying to get the rewards offered by American Express. I think they are getting away with making promises and not living up to them which is really despicable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. 

However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). 

Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: NC
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 XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. XXXX said they take a while to update. Do after waiting a year I disputed it again. Once South State Bank was contacted they did another unauthorized hard inquiry last week. I call XXXX  and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer from one bank to another. The bank I sent from said they sent it. The bank that was supposed to receive it said they never did. For a week it has been back and forth with no result.

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