BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased a used XXXX XXXX from nissan of XXXX on XX/XX/2021 ... was told my payments were going to be around XXXX then was told to see a guy named XXXX to finalize the paper work ... XXXX begin offering me additional services the extended warranty..my main concern which i expressed to XXXX was will my payments go back to the original quote if i could no longer afford the extended warranty and he said yes absolutely ... so i took the extended warranty but the next day i called to cancel it.. XXXX said he had not put the information in the system but it will take 30 days to cancel.. i said if its not in the system then just dont put it in he said he had to in order to cancel it..so for 3 weeks i was given the run around to cancel the extended warranty..was being told XXXX was not in dont know when he would be in, that he was theg only one who can cancel it ... being sent directly to his voice mail or wrong person ... so i started showing up in person and was being told Noone was available to do it until the 3rd time i went in and said im not leaving and i will make a scene ... so they got one of there salesman to cancel it ... so i then was asking the guy about my payments going back go its original quote he stated that once i cancel the payments stay the same i told him thats not what XXXX XXXX told me .... i then reached out to the general manger who tried to sell me a up grad or to return my car he also said he would redue the the paperwork go honor what XXXX had yold me but he needed to pull my credit to do XXXX question pulling my credit if its just paperwork to later find out he was trying to refinance me ... i said you pulled my credit about 10 times already my credit score has been hit enough and its not the same as before so you cant pull it ... i to the invitation to come out and look snd the upgraded car from the general manager so that i can talk with him face to face but when i got there XXXX XXXX me XXXX XXXX the general manager was busy but he would be assisting me ... he showed me the car i said no and drove off ... 3 minutes late the general manager XXXX XXXX called me and asked why didn't i take the upgraded car ... I said you guys are full of it and hung up ... i also called Nissan finance and spoke with them and they said they dont have anything to do with it its up to the dealership ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this action was a result of a mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal and active PayPal user for a considerable period of time, and I have always adhered to the terms and conditions outlined by PayPal. It came as a shock to me when my account was suddenly limited, as I have consistently maintained a high level of integrity in my transactions. 

I kindly request that PayPal re-investigate my case and reconsider the permanent limitation imposed on my account. I am confident that a thorough review will reveal that no violations have occurred. I sincerely hope that PayPal will recognize this error and take the necessary steps to restore my account. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask that you provide updates regarding the progress of the investigation and any further actions required from my end. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Conn's, Inc.
State: TX
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:
XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX, TX Re : Conns Appliance debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XX/XX/XXXX-XX/XX/XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX history of XXXX  and XXXX XXXX and XXXX  and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to Conns when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at Conns and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Bass & Associates, P.C., Attorneys at Law
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my student loan and the collection companies they send I showed proof that the loan was paid. I have two complaints with you. You said contact Department of Education so I call XXXX and put the complaint # XXXX and they keep telling me to contact Bass and Associates. I already contacted them with no reply. Please help me end this it's a big problem I don't want anybody trying to dock my pay or anything like that over something that is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Mortgage XXXX I paid my insurance by credit card and I asked US Bank to either remove the insurance part from escrow or reimburse my recently-paid insurance premium through check. 
I already contacted US Bank about this ( and last year too ) and I was told that it's possible for me to pay insurance directly and US Bank will issue a check to reimburse me ( even though the mortgage will still include insurance as part of escrow ). 
But even after telling me that US Bank can reimburse me through check ( and I also contacted US Bank several times regarding this issue ), it still send payment to the insurance company even though it's already paid off. 
I'm not asking a mortgage reduction and I never miss a mortgage payment. I just simply asked to pay the insurance by my own and US Bank to reimburse me by sending the check to me ( instead of sending it to the insurance company ). 
This reflects that US Bank doesn't really care about its customers at all.

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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXX XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. 

In my complaint nowhere did I ask if XXXX XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. 

My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. 

Yet TransUnion created a report, made that report public, where the report stated I was delinquent. 

Why?

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 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
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 accordance with the Fair Credit Reporting act XXXX Account # s - XXXX, XXXX. 
- XXXX. XXXX XXXX. 
- XXXX XXXX XXXX 
- XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-10-18
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 trying to get my wifes XXXX XXXX applied to my account. I am the secondary account holder. I have been complaining and disputing that they need to add this to my account. Transunion is the only one not complying. XXXX and XXXX have complied up to from XXXX to XXXX. Transunion refuses to fix it I have disputed with the as early as XX/XX/XXXX. I disputed for up to 6 months. Nobody took me seriously. I am fed up I contacted XXXX several times and they say contact Transunion. Nobody wants to fix this. Transunion is refusing to listen.

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 2018-03-01
Company: JPMORGAN CHASE & CO.
State: IN
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2012I was hospitalized for a injury sustained in military service to our nation. During this time I missed one payment and my minimum payment shot up to 800-900/mo. I was unable to pay that so I kept making  payments and sought relief under the soldier sailor relief act. Chase continued to charge exorbitant interest payments pushing me further and further behind. To their credit they sent me a check about a year ago refunding me for all the interest that they had illegally charged me. 

However, they pushed me up over my limit with fees, and then applied more fees. Finally they offered me a settlement on my accounts for significantly less then what I owed. I declined their settlement because my personal honor required that I pay any honest debt. 

At that time I made an arrangement, I agreed that I would repay every dime, including their fees, for them to remove all negative marks from my credit report. I kept my part of the deal and repaid them every dime. Chase however, has not kept their end, they have 11 derogatory marks spanning two accounts that they agreed to remove. Further more these accounts are inaccurate due to the simple fact that I was making payments which they claim did not satisfy their exorbitant minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
FRAUDULENT ADDRESS ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX. 
the XXXX got in full payment for principal. 

I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed. 
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law. 

The XXXX still keeping old pre BK info and statements and still asks me to make payments. 

I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law. 
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX. 

I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX. 
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure. 
They can not ask me for payments and now I will contact attorney about this.

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 2019-01-24
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
on XX/XX/XXXX I submitted a loan payment to XXXX XXXX using the XXXX  XXXX education award for my loan payment of {$260.00} due on XX/XX/XXXX. There are 10 business days between the XXXX and XX/XX/XXXX and I called on 1/18 and was informed it still was not even processed. My request wasn't approved until XX/XX/XXXX on XX/XX/XXXX my payment has still not been received. After calling XXXX I find out that there isn't even a payment date scheduled yet for this payment. As a result it is very likely I will either have to take a financial hit and pay it myself in order to make it count for PSLF or lose a potential payment due to timing issues outside of my control. In addition between the fact it takes over 15 calendar days along with an additional up to 30 days to mail the check it seems IMPOSSIBLE to use XXXX awards to pay for student loan payments which is what their purpose is supposed to be for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX in the evening I could not access online banking to make any online bank transfers. The online digital bank access was down for site maintenance until XXXX XXXX. As result, I was charged a substantial overdraft fee {$100.00}. The bank representative claimed there were no alerts to show site down but on my side, it was clearly down no access to digital banking. They were not willing to investigate with XXXX and not willing to reverse these fees as it is not my fault they elected to do system maintenance for over 5 hours leaving me the consumer crippled to conduct banking. First-Citizens Bank is not very consumer-friendly.

Company response to consumer: Closed with explanation