BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/2020 I contacted Nissan Finance to buyout my lease. They told me I had to contact that dealership. I contacted them the same day, the Finance Manager told me to come in later in the week. I went in on XX/XX/XXXX to discover that my account was blocked and they couldn't " ground '' the vehicle into their dealership. I called Nissan Finance 12 times in the course of this and left messages with supervisors and nobody would call me back. Finally I heard back on XX/XX/XXXX that they got it " grounded '' and to come in and sign the paperwork. I went in and they told me I owe {$10000.00} to buy out the vehicle. This number is incorrect because on top of the lease payments I made and in the course of the lease term I made an extra {$14000.00}, so that when my lease was up I would have it paid off. I showed the Asst Sales Manager my Payment History on my account at Nissan Finance after I logged in and showed him. He agreed it should be paid off and the {$10000.00} was not the correct amount. He then made more phone calls to which nobody has been a help. Now here it is, XX/XX/XXXX and I'm still not able to receive my title from Nissan because they didn't apply all my payments to my account accurately at the time it was blocked ( for whatever reason. Still not sure why it was ever blocked ). Since I don't have my title to my car I'm unable to get the South Dakota license plates to the state that I moved to a few months ago. XXXX County Treasurer wants a copy of the title before I can get my SD Plates, and since Nissan has no idea what they are doing I'm unable to get my Title. I called Nissan Finance again today and left messages and nobody calls me back. I've emailed Nissan and nobody returns my emails. Customer Service is unable to help me and tell me it needs to be escalated to a supervisor and they drop me to the supervisor 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used our ATM debit card information and processed following fraudulent activities. 

XX/XX/2021 {$74.00} at XXXX XXXX XXXX in XXXX, MI XX/XX/2021 {$1.00} at Vending XXXX XXXX in XXXX, NY XX/XX/2021 {$2.00} at XXXX XXXX in XXXX, MI We live in XXXX XXXX and have never visited these cities. 
We do not have any friends or family members who we live in the states. 
We have never authorized anyone to use our ATM card information. 

We called Bank of America Fraud Customer Service and reported the fraudulent activities. The rep advised that my wife 's ATM debit card information was used. 

Bank of America was not our primary bank and we had rarely used the ATM cards. 
We noticed that my wife ATM card had been expired a few months earlier and had received a new ATM card, however, the card was still in the envelope and we had not even activated the card prior to the fraudulent activities. 

Bank of America gave us temporary credits for these fraudulent debits. 
However, Bank of America informed us that they had determined conveniently that " the charge was authorized by you or someone who has permission to use the card and account. '' They are reversing the temporary credits as they determined that our claim was false. 

We were stunned by their reasoning and the decision. 
We appealed twice, however, Bank of America is demanding support documents for our claim if we want to pursue further, but these were fraudulent activities which we were simply the victims of Bank 's inadequate security system. 

Again, we have never visited there, do not have anyone who live there, and have never authorized to use our ATM card information. 
The fact was that someone stole our ATM debit card information and committed fraudulent activities. 

We strongly believe that the bank does not have adequate security check system to preventing from hackers and protect their customers. 
The bank also has improper practice to just deny claims without sufficient research. 
This is highly dishonest business practice and very irresponsible. 

We were probably not only ones as victims of Bank of America 's dishonest business practice. We are deeply stressed out as we had become victims twice, first by the fraudulent charges, and then by the bank. 

Bank of America was a defendant of recent class action law suit, which a federal judge ordered the bank to stop auto-denying California EDD fraud claims. 

Bank of America failed to prevent fraud and denied claims when the fraudsters attacked.

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 2021-04-30
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXXXXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXXXXXX {$1500.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1000.00}

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 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Capital One violated my consumer rights pursuant to 15 USC 1692 j ( a ), " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ''. Attached it each time the company has contacted me with a bill not stating it was a debt or the collection of a debt. I have contacted the company wit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX  continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, Experian, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and Experian have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and XXXX, but Experian still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will  NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting inXX/XX/2020. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX continues to have my payment history reflect inaccurately. I have NEVER been late. Transunion shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, XXXX, and Transununion. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but Transunion has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE TRANSUNION, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by Transunion and XXXX, but XXXX  still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Atlanticus Services Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account was opened XX/XX/2016 in the amount of {$3600.00} that I have absolutely no knowledge of and NEVER received a credit card or limit or mail for this account. And it has been closed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX  XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance because of COVID-19, on a property I own using BB & T now Truist bank as my mortgage holder. I made partial payments during the entire forbearance time. My forbearance was ending XXXX, 2021. BB & T would not allow me to make payments online as I always did, during the time of forebearance. Rather, I had to phone my payments in every month. My first full payment was not allowed to be paid over the phone, so I made my XXXX, 2021 payment in full at the local BB & T bank located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. My XX/XX/2021 was made in full also. 

I received a Possible Spam phone call and message from BB & T now Truist this morning from their collection department! I listened to the recording and immediately called back. XXXX from Collections told me I had been turned over to collections and the payments I had made for XXXX and XXXX went to paying off the balloon payment! I have a FICO score of XXXX and can assure you, I dont miss payments. I spent hours last month getting this same issue rectified over 13 different phone calls and numerous talks with managers. But, again I am being told wrong information which will effect my credit score. I requested to speak with a Loss Mitigation manager, but she stated there were none available. She would try and transfer me ... she dropped the call. I then called back and spoke with XXXX XXXX in loss mitigation. She stated my account was not in collections, but still in forbearance!!! I requested to speak with her supervisor, none were available to speak with me again. She gave me her supervisors name, XXXX, and phone XXXX. I called her answering machine and to expect to wait 24-48 hours for a call back. This type of stalling behavior is unacceptable and if it isnt already, be punishable by law. I am very concerned this abusive payment reporting/recording by BB & T now Truist, will result in my property being foreclosed for nonpayment because the bank is not accurately making my payments to the regular monthly payments, but instead the balloon portion, which is not due until the end of the loan or sale of property.

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 2018-07-06
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: Account status incorrect

Complaint:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
I had a credit card account Elan Financial Services from about XXXX to XXXX. 
The account was set up to be covered by an autopay from my XXXX XXXX Account. I closed the account in XX/XX/XXXX. At the time the balance on the account was either XXXX  or at most a few XXXX dollars. 
That was the last I heard from this account until it showed up on my credit report as a charged off account this year. Investigating more, is appears that the autopay was still active in XXXX and that the balance had never been paid off. It also appears that for some reason the autopay was interrupted at some point between XXXX and XXXX. 

Over the past two months I have repeatedly asked Elan financial services for the complete records for this account, and they have yet to send me anything except the last 18 months of statements, going back to XX/XX/XXXX. These statements do now explain why the account was not paid off between XXXX and XXXX, despite there being and autopay set up, which was supposed to pay off the balance in full. 

Finally, in XX/XX/XXXX, I paid off the balance of this account, hoping to make it go away, however it is still showing up on my credit report. 

I still have not received any explanation or documentation of what happened to this account between XXXX and XXXX. 

On XX/XX/XXXX tried to contact Elan Financial services to request that they delete this account from the credit reports. The person that I spoke with told me that the were unable to do this, and that they couldn't transfer me to someone who could. They suggested I file disputes with the credit reporting agencies, which I have already done.

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