BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Good afternoon CFPB, Can you help me get FREE mailed monthly transaction statements, as government regulations require? 

I have a pre-paid XXXX card via XXXX XXXX a division of Webster Bank. 

They offer online access, but to utilize that access they state if : " you otherwise fail to keep your identifying information confidential, you are responsible for any resulting transactions from your Eligible Accounts, XXXX XXXX XXXX XXXX My identifying information ( Name, Date of Birth, SSN ) is no longer confidential, as it has been leaked by many companies, including XXXX. 
And Social Security prohibits changing my number unless/until I experience serious financial loss. 

So I can't meet the requirement of keeping my identifying information confidential. And thus can't utilize online access. 

And, if I want paper mailed statements, I need to pay XXXX XXXX {$1.00} each month. 
XXXX XXXX XXXXXXXX My request ; can you ask they follow the law and provide FREE monthly statements? Note, I don't want to give up any of my other legal rights when accessing/receiving my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ford motor credit repo my car in XXXX. 
In XXXX when I filled bankruptcy they weren't on the bankruptcy They haven't contacted me. 
Now all of a sudden I have a garnishment. No notice and my employer let me know who was garnishing me when I got the surprise. They have my old last name that I changed from 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!

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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approved for a Capital One Quicksilver Rewards credit card however when the card arrived, it did not have terms of APR anywhere in the literature. I called to ask where that part of the literature was and they could not tell me but chose instead to verbally quote me the term over the phone. When I asked why they didn't put it in writing, the representative said she didn't know. We both know how this type of agreements work, so I cancelled the card and never activated it. Shouldn't this type of information accompany a credit card so consumers have proof of the terms? In the ad where I applied for the card it said 0 % APR until XX/XX/2023 and after that it was something like XXXX % I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My account with XXXX XXXX XXXX was hacked and the following activities took place : 1. On XXXX/XXXX/XXXX, {$750.00} was fraudulently drawn from my checking account. 
2. On XXXX/XXXX/XXXX, {$3100.00} was fraudulently drawn from my checking account. 
3. On XXXX/XXXX/XXXX, {$2000.00} was fraudulently withdrawn from my checking account 4. On XXXX/XXXX/XXXX, {$320.00} was fraudulently withdrawn from my checking account. 

As a result of these illegal activities, the account sustained NSF charges in the amount of {$450.00} This case was reported to the Fraud Investigation Department of XXXX XXXX XXXX on XXXX/XXXX/XXXX. It is over 48 hours and no response and this has put me in a serious financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a account from XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed XXXX XXXX COURTXXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

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 2017-10-02
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions 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:
I have disputed the account because its in litigation and inaccurate. I have disputed this error with the three major credit bureaus ( Experian, XXXX, and XXXX  ) for over a year now. XXXX  and XXXX  both were in agreement that indeed the reported account was invalid and unverifiable and therefore has removed item from my credit report. However Experian continues to report and verify this debt is being valid and correct. I have now received restitution from the company following XXXX XXXX  lawsuit and Experian still fails to report correctly.

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 2022-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received copy of my credit report and i saw incorrect information. 
I have never apply for this company, i have no idea who is creditor, how is appear on my credit, i have never sign any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: DE
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 was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXXXXXX XXXX on behalf of Cascade Capital. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX on behalf of their client Cascade Capital XXXX saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolios failure to provide requested information for the debt alleged. Portfolio has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Portfolio responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by Portfolio. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to  act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Transunion. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Transunion to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below.

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXXXX

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 2017-10-01
Company: Stellar Recovery, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail ( with my first name spelled wrong ) for a debt of {$4600.00} from Credit Management, L.P. on behalf of XXXX XXXX, XXXX. on XX/XX/XXXX. I have resided outside of the state of Texas since XXXX. I have never gone for any diagnostic testing at XXXX XXXX, nor have I had any outstanding medical debt. We have had medical insurance that has covered the majority of our expenses, and any co-pays/deductibles have been paid in full at the time of being billed. This is a false collection as this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am out the countryat and I can't get my credit report because it said XXXX is NOT available. It should be optional to check for the location of the person who request the info. or ask before checking

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 2022-04-25
Company: EQUIFAX, INC.
State: SC
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:
This is a formal complaint to Equifax for reporting inaccurate status on my XXXX XXXX XXXX XXXX account since this account has already been paid. And has a Paid status to XXXX and XXXX. I'm assuming you did not update the status since 2016, unlike the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 2021-06-13
Company: Diverse Funding Associates LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the XXXX XXXX XXXX. I was given Ticket number : XXXX regarding my call and inquiry. 
She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. 

Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar 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