BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: National Credit Adjusters, LLC
State: IL
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:
On XX/XX/2022 I notified NCA about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report. They responded that it is NCA 's policy to report all satisfied accounts as paid in full, federal law supersedes policy. They also sited the FCRA 602 ( b ) and said " The FCRA 602 ( b ) states that all consumer reporting agencies are required to adopt reasonable procedures which are fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper use of information. '' The full statement says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. NCA 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). 

In order for NCA to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the XXXX year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in XX/XX/2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: MO
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 disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: IL
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:
Please see the original complaint I filed along with additional documentation. You closed the complaint but it is NOT resolved and only getting worse. I ask that the CFPB please intercede to help correct the issues on my credit card account. 

Original CFPB Case 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 2019-05-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My contract for my vehicle states I have a 15 day grace period. I have NEVER been 30 days past due on any car loan ever. Nissan called me repeatedly on day 6 and day 7 in an attempt to collect a debt. Nissan has never contacted me before the 15 day period has elapsed, why are they calling? It appears they are trying to change the terms of the contract.

Nissan and NMAC are the worst companies to deal with. Nissan dealer damaged my vehicle and did not inform me. I had to make two additional trips to get the damage they caused repaired. Nissan offered two oil changes in compensation for my inconvenience. I complained about Nissan to the State and I believe these calls are in retaliation for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NY
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:
I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021 EQUIFAX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received pre-approval for a mortgage loan with Navy Federal Credit Union on XX/XX/2021 and I yet to receive the loan estimate that is required by law under TILA-RESPA to receive the documents within 3 days of being approved. Today is XX/XX/2021 5 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unknown when it occurred posted on credit file on XX/XX/22 the amount of XXXX  from choice recovery

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.

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 2022-03-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I do not agree with XXXXXXXX XXXX RESPONSE RE : XXXX. I am XXXX XXXX XXXX and I am submitting this claim myself and no third party is involved. I am the consumer and the original creditor. XXXX is in violation of my consumer rights. Pursuant to USC 15 1681 ( a ) ( 4 ) I have the right to privacy. XXXX policy does not override a federal law. Pursuant to 15 USC 1681 a ( 2 ) ( 3 ) I have the right to deny anything being reported on my consumer 's report. Pursuant to USC 1695G Only I can validate this debt. I, XXXX have not validated this alleged debt. Also Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be EXCLUDED from a consumer report. 
XXXX might want to look up the term " Credit Card '' THE CREDIT CARD IS MY SOCIAL SECURITY CARD. This is the credit card to used to originate every consumer credit transaction. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am Demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
According to 15 USC 1666 it is unlawful to report late payments it's a violation. Anything that contains a finance charge has already been paid in full balance because pursuant to 15 USC 1605 a finance charge is the sum of all charges so how can there be a late payments???? 
An alleged debt being furnished on my consumer report IS a violation of 15 USC 1692b ( 2 ) it is also advertising to coerce payment which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my credit reports and saw that XXXX XXXX added a collections item to my Transunion credit report. This dropped my credit score XXXX points. The original creditor was XXXX XXXX XXXX XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed this item to be removed from my credit report but nothing has been updated. I paid XXXX XXXX XXXX directly.

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 2017-12-28
Company: TD BANK US HOLDING COMPANY
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:
To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Wells Fargo continues to act in bad faith by charging me in the Payoff Statement their duplicated negligent payment of {$720.00} Hazard Insurance ( HI ) to XXXX. I'm already paying this XXXX HI amount directly to them. 

Can you enforce Wells Fargo to remove this {$720.00} amount and adjust my payoff amount? 

2. The Payoff Statement charges {$190.00} for recording fees but XXXX XXXX County Registrar charges {$15.00}, for decades, including 2019! Nearly all banks charge between $ XXXX- {$20.00} bucks. 

Can you ask WF to to charge the typical fee charged by most banks? They are gouging me! 

3. Can this be resolved by XX/XX/XXXX as this is the last day to payoff my house?? 

thank you CFPB!

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 2019-05-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On date XXXX XX/XX/2019 i received an email from PayPal stating that my account was permanently limited and that i couldn't use it anymore. 
Moreover they decided to hold my balance ( more than 600 $ ) for up to 180 days. 

I phoned PayPal and the worker told me that it has been a massive limitation that included hundreds of accounts and that there is nothing that can be done. 

I decided to read the entire " Terms and Conditions '' of PayPal and i read : " PayPal can hold the available balance on the customer 's account up to 180 days to cover itself from claims or chargebacks, the funds will be released after 180 days from the last received payment ". 

The problem is : I received NO payments at all in the last 180 days ... my last received payment is something like 200+ days ago. There is absolutely no risk of claim/chargeback on my account and you are holding my money with no reason. 

This is against your own " Terms and Conditions ''. 
PayPal should have already released my funds, they can't hold them when there is no reason to do it. 

I request the release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: HI
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:
The following companies 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  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2019-06-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had made a purchase of multiple items from Amazon on  XX/XX/19 which I thought were suppose to be for zero percent for 6 months. I get my statement and there is sometime at the beginning of XXXX. I notice the charges are not under promotional terms. I call at that time I'm told that it will be move to one and to wait 48 hours to see it online. I log into my account on XX/XX/19 and see the charges are not under promotional terms. I call speak with agent ID XXXX and I'm told the same thing again. I asked for confirmation email and was told they would not provide that. I would like for

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 2019-08-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is reappearing on my experian credit file which is not on my XXXX or XXXX file while I understand they are different agencies this should be removed The company XXXX listed with XXXX XXXX XXXX is no longer in business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Spring Oaks Capital, LLC
State: NJ
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:
On XX/XX/2022 I called the debt company and was advised I have a debt. I told them the I dont know about the debt. They never wrote me any correspondence they have the debt or how to dispute. I was never told me communication with debt collector was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX I was notified that my Wire transfer of {$2000.00} was NOT returned to my bank because the name on my business did not match my name EXACTLY on my coinbase account. It is now XXXX XXXX XXXX and MY FUNDS HAVE NOT BEEN RETURNED YET! Coinbase emailed me and stated that it would be returned in the 7 days after the XX/XX/XXXX It is frustrating enough that I was n't able to add the funds to my account but to not refund me the {$2000.00} within the 7 days is completely unacceptable. I have attempted MANY times to get in contact with someone about this issue but have only been met with automated phone services and emails. I have contacted your bank for Coinbase as well as the XXXX XXXX XXXX XXXX XXXX ( wire department ), and made them aware of the situation. I have also completed all the steps that the previous email from Coinbase support has requested me to do and all that the system will allow me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/XXXX, I requested an investigation with XXXX XXXX into my XXXX XXXX account, because as of XX/XX/XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XX/XX/XXXX, and as of this writing the account still stands in the negative.

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