BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
We have been in contact with Nissan Motor Acceptance Corporation throughout the pandemic. Nissan gave us an " extension '' of two months due to economic problems due to Covid. Nissan also agreed to allow us to pay as we could. We made payments every month with a verbal assurance that as long as we made some payments we would be fine. However, without notice and against everything we had been told by Nissan, Nissan gave an order to repossess our car ( XX/XX/XXXX ), our car was taken that same day. Nissan had accepted a payment of {$150.00} on XX/XX/XXXX. We appealed and ask for help and clarification with no help. We have been without the car for over a month, car is used for work, and after many attempts we were told that although they could not return the car, Nissan would only send us an end of term balance ( we owed at the time the two months of " extension '' ). Nissan stated that this would not be reported as repossessed and would not hurt our credit score. The liability ( end of term ) statement is over {$3100.00} dollars, when we owed approximately {$720.00} to finish paying the lease. Nissan only offered to take {$200.00} dollars of, and {$80.00} for late fees.

Today I am told that Nissan did report this issue as a " involuntary repossession '' which will very much hurt our credit score, which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic, still we were able to make payments as we could, needing two months two finished the payments for the lease. There was no " extension '' from Nissan to pay for those two months. We offered to pay upfront the amount owed, but Nissan would not accept that payment and until today, ( XX/XX/XXXX ) are demanding for us to pay {$2800.00}, or else threatening to charge us whatever amount was left from the auction of the XXXX XXXX XXXX car that we had leased. Our complaint is the misinformation that Nissan has given us, the lack of honesty of Nissan in what 2 months " extension '' truly meant, their lack of consideration for our family by taking the car that we need for work, and their lack of accepting responsability for the damage they have caused us. We offered to pay {$1000.00} cash that we had saved, to pay what we honestly owed, and with the hope this would not affect our credit as Nissan had stated before. Nissan gave us false impression that we were ok as long as we made payments, which we did every month. Never did we think or were told that we were in danger of our car being repossessed. Still today, they keep demanding the impossible amount for us of {$2.00}, XXXX. We are lost and we need Nissan to stop trying to defend themselves with " this is the way it is '' as we are constantly told. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX holder services has a hold on my deposit received from the internal revenue services in XX/XX/2022. They continue to hold the money and charge me administrative fees. They claim they have a court order to hold the money but will not give me a copy. I need my money released and I need it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello! my name is XXXX XXXX and this complain is regarding the Florida Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, and United Wholesale Program. Back in XXXX XX/XX/2022 I was approved for 6 months of emergency funds to cover mortgage payments. Application number : ID : XXXX. 

The award letter indicated the money from the XXXX XXXX XXXX XXXX, or XXXX, would be issued to my mortgage company on XX/XX/2022 and continue going forward, but the money is missing. As of today : XX/XX/2022, despite many phone calls to the XXXXXXXX XXXX XXXX Customer Assistance Center at XXXX, emails and even XXXX, my mortage company ( United Wholesale Mortgage LLC ) has not received any payments.

I will greatly appreciated any help you can give me, as you may understand my economical situation is critical I would greatly appreciate any follow up regarding my case Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: CA
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:
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 an account without my written instructions. 

COMPANY DOES NOT HAVE MY CONSENT/AUTHORIZATION TO PUBLISH ANYTHING ABOUT ME. COMPANY IS FURNISHING UNAUTHORIZED REPORT ( S ) TO THE PUBLIC. 

NOT asking to verify or update. Delete per the above sections. 

STOP/DELETE ALL REPORTING OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and XXXX am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
1XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, these creditors XXXX, Experian, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.

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 2022-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
Today I received an email from XXXX XXXX XXXX XXXX that my request for a " Loan '' was " Denied '' because of false information on my " Experian '' credit report. I then immediately called " Experian '' at XXXX, explained to them professionally what just happened to me and asked for my " Free Copy '' of my " Experian '' credit report. They responded rudely by saying " No '' and hung up on 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 these creditors have violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish information on an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose.

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 2023-04-12
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked on XX/XX/14 two different transactions and I disputed the transactions and they keep denying them who ever hacked my account changed all of my information and started sending money to different places. I have disputed this 9 times and they are refusing to give me what was taking from me. The bank was chime I have all the screenshots from the situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2021-10-27
Company: EQUIFAX, INC.
State: GA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
I sent a 3 requests to Equifax, XXXX and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received several capital one credit card promotional offers over email and mail ( one email every week and one mail every month probably ) indicating I was pre-approved for a capital one credit card with a {$300.00} promotional cash back bonus and 0 % introductory APR for 15 months. 

But when I signed up for a credit card, Capital one pulled my credit twice and they issued me a credit card without the sign on bonus and introductory APR. 

They told me that they had two Capital One - Quick Silver cards on their website. One with the promotion and another without the promotion and they were only able to approve me for the one without the promotion. I believe they intentionally are misleading and confusing so that they do not provide any promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: AES/PHEAA
State: CA
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:
XXXX Dear Consumer Financial Protection Bureau, I am one of the first student loan holders who signed up for PSLF in XXXX. As a XXXX XXXX XXXX XXXX, after paying my loans for 10 years, my loans have been accruing interest and they are growing at an exponential rate. XXXX  XXXX is not counting at least 10 months of payments. My loans should be forgiven now, but if I have to pay them for another year the interest on my loans will have accrued another {$20000.00} to {$30000.00}. At this point they are up to {$150000.00}. Over the last three years, my loans have grown from {$110000.00}, to {$130000.00}, to {$150000.00}. What will they be in another year? I am aware that when my loans are finally forgiven, I will have to pay taxes on them as though they were income. 

The problem started when I went back to XXXX school in the fall of XXXX, when my loans were with XXXX. I did not take out more student loans, but instead charged my tuition to credit cards. When I enrolled in school, my student loans went into automatic forbearance. Once I discovered this, I called XXXX, cancelled the forbearance, and got them to flag my account so that it would not go into automatic forbearance every time I enrolled in a new semester. 

Then XXXX took over from XXXX, but unbeknownst to me, the flag on my account did not transfer. I continued to make my regular payments every month, but when I called to find out how many payments remained on my account, the clerk told me that the payments I made while my account was in automatic forbearance would not count. 

In the letter they sent me it says I only made three payments in the year from XX/XX/XXXX, however I made a payment every month the entire year. Then for some reason it says I only make 11 payments the following year. When I signed up for PSLF, I was told that I needed to make 120 payments. I have made 120 payments, but now I am told they dont all count. How could I have possibly known that? Please help me get all my payments counted. It will make a huge difference to the amount I will have to pay in taxes on this income that I will have never seen. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-09-09
Company: EQUIFAX, 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:
I am included in the list of potential victims of the Equifax hack that was reported on XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 currently have a payment agreement with district courts in Michigan of {$40.00} a month with Credit Acceptance. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

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 2023-04-12
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX. I noticed that my bank account was suddenly at {$0.00}. Checked my transactions and noticed there was a debit with a legal lts attached. I was given the number to call and come to find out that my account was garnished and got a freeze put on my account from a debt collector. The debt was from XXXX from XXXX XXXX. Is there anything I can do to get this fixed?

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 2023-10-01
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my brand new XXXX Hyundai XXXX in XX/XX/XXXX. I waited several months for a title which was never sent. I called Hyundai motor finance and they said they sent the title however this was not accurate as it was never received in the mail. I even called the post office to make sure mail was being sent correctly and XXXX verified all mail was delivered. I subsequently called Hyundai motor finance in XX/XX/XXXX and they said that the title was mailed XX/XX/XXXX ( this was a lie ). They said I would not need a lien release letter which they will also send. As of now it is XX/XX/XXXX and I still do not have a title for my paid off vehicle. XXXX is not helpful and giving me a runaround and gaslighting me making me feel as though mail is not coming when they are actually not sending anything.

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