BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered a consumer credit transaction with XXXX on XX/XX/XXXX. XXXX has failed to disclose the right of rescission which is a violation pursuant to 15 usc 1635. Because they willfully and knowingly withheld this information XXXX is criminally and civilly liable and owe me twice the finance charge pursuant to 15 usc 1611 and 15 usc 1611. Pursuant to 15 usc 1605 is finance charge which is the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance they made me purchase my own. XXXX has threatened to reposes my vehicle which is a violation of 15 usc 1692e ( 4 ) due to non payment and they have never validated the debt pursuant to 15 usc 1692g. I did send a debt validation letter to them on XX/XX/XXXX. Also on this day I mailed a cease and desist letter 15 usc 1692c, also I mailed and had notarized an affidavit of truth which was unrebutted. I still have been receiving calls and emails stating this is an attempt to collect a debt which is a violation pursuant to 15 usc 1692b ( 2 ) and 15 usc 1692c. Other ways XXXX has violated me are by harming my reputation by reporting negatively to the credit bureaus pursuant to 15 usc 1692d ( 1 ), by providing me with false and misleading information by showing balances in a positive amount 15 usc 1692e, by using symbols on envelopes mailed to me 15 usc 1692f ( 8 ), and in the contents of the envelope 15 usc 1692b ( 5 ), threatened and used obscene language 15 usc 1692d ( 2 ), and threatened to action that they can not legally take 15 usc 1692e ( 5 ). Pursuant to 15 usc 1692k I mailed an invoice for every violation on XX/XX/XXXX. I allowed XXXX days to respond and pay and they did not. On XX/XX/XXXX I mailed out a default and opportunity to cure, a new invoice with new charges and gave them XXXX  days to either settle or send me payment amount listed on the invoice or I will seek litigation for non payment of violations. XXXX stated they are not a debt collector. Pursuant to 15 usc 1692a ( 6 ) the term debt collector means any person who uses the mails in any business for the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been going back and forth with XXXX, XXXX  and Equifax on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account

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 2018-01-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: World Acceptance Corporation
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed accounts with Transunion on multiple occasions. I have requested that they validate this debt on my credit file. I have sent 3 different dispute rounds and havent received any proper treatment. I have tried to reach out to creditor and they were not able to provide any proof therefore the debt can not be on my credit report. In addition the account balance are mismatched between the different account posing a second error on 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 explanation
Consumer complaint received 2018-01-23
Company: Live Well Financial, Inc.
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In connection with application for reverse mortgage, on XX/XX/XXXX I gave a paper check for the appraisal to XXXX XXXX, an agent of Livewell Financial. Then I withdrew the mortgage application, and the appraisal was canceled 4 days before it was scheduled. Meanwhile, on XX/XX/XXXX my bank paid the check electronically before I could place a stop order. Now Livewell and their agents claim they do not have the money. My paper check has never cleared the bank. I signed an ARIZONA ADVANCE FEE AGREEMENT which obligates Livewell and their agent to refund the appraisal fee if the service is not performed. Someone -- Livewell or their agent -- has my {$290.00} ; but everyone involved, including the notary, the appraiser, Livewell and XXXX XXXX XXXX XXXX, all deny that they were paid. Someone has my check in their possession and wo n't admit it. One of these bad actors is lying to 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 2023-03-11
Company: NAVY FEDERAL CREDIT UNION
State: MO
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:
In XXXX of XXXX I called Navy Federal about both of my accounts and how I couldn't make a payment. They informed me that my ACH account was suspended due to a fraudulent activity. I tried to rectify this situation with them and spend hours on the phone with them being transferred and told the problem was resolved and I could make payments. I was sent out to XXXX, and XXXX XXXX for training in XXXX of XXXX. I tried to make payments from a computer but couldn't make them due to my ACH payment method still being suspended. My spouse tried to call in and make payments but due to her not being on the account they ask for the account holder to call. I had to I returned to my home in the states on XX/XX/XXXX, called them to make a payment which I have already done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was owned and serviced by XXXX. My loan was sold to Select Portfolio Servicing, Inc. ( SPS ). 

Previously my loan had been on automatic payment for 12 years with XXXX. Upon the transfer SPS I was required to arrange for new automatic payment. I did so, but SPS took an unreasonably long time to process my request ( 45 days ). During that unreasonable delay my payment became due and was not made despite my ACH application. 

This caused my account to be in default which ceased further ACH payment and caused fees to be applied to my account and potentially derogatory information on my credit report. 

I logged in to the SPS website and there was no option to actually pay the full amount due to bring the account current. The only way to do that is call SPS and manually request full payment in time to allow the original ACH scheduling process to go through. 

Put another way, I applied for ACH payments on XX/XX/XXXX. As of XX/XX/XXXX no ACH had been taken and I was in an endless trap to never have ACH payments made and never bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: FL
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:
the accounts showing in my credit report was not sign or authorities by me and i gave Equifax 30 days to verify and update but no response was given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX well me and my husband bought a four family in XX/XX/XXXX.I remembered my husband asking the closing attorney how much the mortgage was going to be he didn't say it was your Austable all he said was {$2700.00} a month that part wasn't ture on the 80 percent and a second mortgage of a balloon notes 20 % .we started experiencing a hardship in XX/XX/XXXX when the adjustable interest rates kept skyrocketing as high as 11 % and my husbands hard-earned money went towards this house.after years of trying to do a modification the bank 's kept denying us when we was qualified for the program they kept denying us saying there was missing ddocuments when I paid a real estate broker {$4000.00} to help with the modification I gave them all the documents that they needed. We have fallen short lost our home due to foreclosure and it has been the terrible experience to have to go Thur. JP Morgan and Chase are terrible they denied millions of applications for modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX. I refinanced my loan along with spouse in XXXX with XXXX XXXX. Divorced. Unable to split the loan my ex stopped paying her share I continued to pay. I can not access any information until I speak to a rep and they ask several questions about who I am. The loan primary social is my ex wife 's. Yet they continue to call me and send correspondence to me. 26 years later and still not played off. XXXX left. Unbelievable! She has paid them little, I have paid and get all the grief

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I was the victim of identity theft on XX/XX/2019. The thief stole {$15000.00} out of my checking account through a series of charges that were labeled " XXXX XXXX ''. I have reached out to my bank, Bank of America, and told them what happened but they refuse to reimburse me the stolen money. I have been very patient with them and with the claims service, but to no avail. They seem to think these were legit charges that I made myself, and not theft. I have explained to them many times what happened and even faxed in a written statement, making my case, but they won't listen. Any help you can offer in getting Bank of America to reimburse me the stolen money would be greatly appreciated, thank you.

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 2018-01-23
Company: Accord Business Funding, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.

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 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019, I gave a check of {$1800.00} for a contractor and stopped the payment for the check later. 

On XX/XX/2019, no money was deducted from my account for the check excluding the stop payment fee of {$30.00}. I then called up Bank of America customer service and inquired them about the stop payment of the check, they confirmed that stop payment was on the account and the check was not cleared. I then asked them what happens if the contractor tries to cash the check again, they said it is going to be declined. 

On XX/XX/2019, I noticed that {$1800.00} was deducted from my account with the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '', I called up the customer service as soon as I saw that and asked them to dispute the transaction, they said the transaction is in " Processing '' status and can not be disputed. One customer service representative was saying, it may be an electronic check or may be from the bank for any credit that was already given. 

On XX/XX/2019, the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '' was completed and the money was deducted from my account. So, I called the bank again and requested them to dispute the transaction, then they told they can not dispute the transaction because the check was cashed before the stop payment was requested. They asked details on what happened and how the check was given to the contractor, and they told they can not do anything other than refunding the stop payment fee of {$30.00}. If they knew that the check was cashed before the stop payment was requested, the system shouldn't have removed the cashed check transaction from my account. I would have reacted fast to recover the money. Its unfair to make customers responsible for glitches in their system or any wrong information given by customer service representatives, especially the system involves money. I have been a customer for Bank of America for more than 7 years and they were talking as if there was no mistake from their end. 

I also received a mail from Bank of America stating that " We've completed your stop payment request ''.

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