BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: WELLS FARGO & COMPANY
State: MA
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2022-12-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an unsolicited offer for the Regions Bank XXXX XXXX XXXX card. I applied for it online and was informed, via eMail on XX/XX/2022, hat I had been approved, and that I should receive the card within 7 to 10 days. 
On XX/XX/2022, while I had no received the card, I got a call from XXXX XXXX, a Regions Bank XXXX XXXX, who wanted to talk to me about opening bank accounts with Regions. 
On XX/XX/XXXX ( almost a month after approval ) I called Regions Bank because I had not received the XXXX  card as promised, and I was worried what might have happened. I spoke to a lady who informed me that they apparently had the wrong address for me. She said she corrected the address, cancelled the card, and ordered a replacement card to be sent. This card has never been received. 
On XX/XX/2022, I again called Regions Bank. Spoke to XXXX at ( XXXX ) XXXX. She stated that she would be cancelling the card in transit, and would expedite a new card, to be sent by XXXX to my address. This was again repeated on XX/XX/2022, when I spoke to XXXX. 
On XXXX XXXX XXXX  ( a full 2 months after approval ) I called Regions Bank and spoke to one XXXX. At first he said the card had been mailed, and then he did find a notation requesting that it be expedited. By then, I had had enough, so I asked that the account be cancelled altogether, that I no longer wanted to do business with Regions Bank ( Ticket Number XXXX ). 
I never got a card. I suspect the offer of the card was just a ruse to try to get my banking business and, since I did not give it to them, Regions just dragged their feet and refused to honor their offer. The harm to me has been done since they pulled my credit which affects XXXX core. It also may affect the decision of other card issuers who might claim that I have been applying for too many cards in the recent months. Regions may be pulling this with other consumers as well. 
My name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX eMail : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: JPMORGAN CHASE & CO.
State: KY
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:
Attempted to pay online entire outstanding balance of a Chase Vise card on or about XX/XX/19, using a check issued against XXXX XXXX. Chase website returned as though the payment was processed, and deducted the payment. Some 6 to 10 days later, Chase reversed the payment as " returned. '' There was no notice nor any explanation provided to me of any kind about this " return, '' I discovered it by going online myself. During the interim time delay caused entirely by Chase, they added a {$28.00} " return item '' fee and a {$100.00} finance charge for another period. I have inquired with XXXX, and the check is good. XXXX indicates, as does Chase, that it was Chase that chose to reject the payment ( again, no explanation given, and no notice that they would, or already had, rejected the payment ). I have requested an explanation from Chase, and their customer service reps say nothing in response. Now, I can no longer input the routing and account info from XXXX XXXX into Chase 's online payment portal. Chase appears to be purposefully impeding the pay-off of their balance in order to continue to levy finance and other charges. I would like the {$28.00} + {$100.00} charges reversed, and for CPFB to investigate this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
On XX/XX/2019, I wrote a letter to Nissan Motor Acceptance and asked for them to verify a debt that they are reporting on my credit reports. This is my right under the FCRA. Nissan did respond to my initial letter on XX/XX/2019, and they said " upon further review we unable to locate an account for you using the information you provided. '' Nissan requested that I send in additional information, such as a social security number, so they could properly investigate the problem. Nissan did assure me that they are reporting correctly, however my rights say something completely different. The law says that I need proof within 30 days of them receiving my request, not an assurance. I did honor Nissan 's request, and sent in an additional letter with my social security number on XX/XX/2019. The 2nd letter was received by XXXX XXXX of XXXX on XX/XX/2019 at XXXX XXXX via USPS certified mail. Today is XX/XX/2019, and I have yet to receive any sort of response from XXXX. We are well past the 30 day response limit, which is mandated by federal law. Nissan Motor Acceptance is currently in violation of Federal Law, and needs to remove this derogatory information from my credit report immediately. As a consumer, I do have the right to verification of debt within 30 days of receipt, and Nissan Motor Acceptance did not provide me with that. They did not even respond to me, so it is safe to assume that Nissan does not have the proper validation or they just would have sent it to me, since it is federal law to send verification upon request. I have attached all proof of my above statements. Please remove this immediately. It is unfair to the consumer to have this derogatory information, and Nissan can't even provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: HYUNDAI CAPITAL AMERICA
State: OH
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 should have gotten a refund check from canceling my gap insurance and service warranty on my vehicle because it was paid off early the refund check is for XXXX the dealership the XXXX XXXX  said the sent the check to Kia motor finance on XX/XX/2023 as of XX/XX/2023 Kia motor finance say they still havent received the check and neither the dealership nor Kia motor finance can tell me where my refund is and I constantly keep having to go back and forth

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 2021-09-24
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX XXXX XXXX XXXX XXXX, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.

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: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1.XXXX  Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXXXXXX Account Number : XXXX 4.XXXX XXXX XXXX Account Number : XXXX 5.XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: National Credit Adjusters, LLC
State: WI
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:
I received a notification that a collection was added to my credit report in the amount of {$1000.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-04-12
Company: Affirm Holdings, Inc
State: TN
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:
Affirm inc has reported to XXXX that I was 30 days late. I have bank statements saying I was not 30 days late and gave them to XXXX. XXXX came back 3 times now as the account stays on my account and the investigation lasted only over night. Affirm inc representatives have said that I have NO late accounts on my account and that I should contact XXXX. When I try to contact XXXX the call machine says I can not talk to a person unless its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of 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 explanation
Consumer complaint received 2017-09-10
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: Their investigation did not fix an error on your report

Complaint:
Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received an escrow shortage notice from MyLoanCare which services my mortgage account. The mortgage escrow shortage was for {$1300.00} ( roughly ). I paid the amount via personal check and returned the escrow shortage slip as instructed. The payment took almost three weeks to be received. Moreover when it was received it was NOT applied as an escrow shortage but instead as a regular monthly installment. I called my mortgage serviced and they apologized and advised they would reverse the payment and apply it correctly. The representative confirmed it was an oversight in his end. Today, I look at my account again and they payment had been reversed and applied to escrow ; nonetheless the monthly installment still shows my shortage as not paid and the payment continues to show the amount that would have been due if it was not paid. This is unfair and unethical. They tell you to pay one amount and take your money ; however its sitting in limbo and not applied as advised. This is a UDAAP violation. They are collecting and keeping my funds! They need to take that amount and apply it as they advised they would. My payment should not be {$1200.00} but instead {$1100.00} as promised in the statement.

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: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Working with Citi, we had taken advantage of a balance transfer with the promotional period having 0 % interest expiring in XX/XX/2023. 

As we were making payments they offered an additional balance transfer promotion with 2.99 % interest. When we received this offer, we contacted them to see how it would work having two promotional programs active. We were assured that we could finish paying off the 0 % promotion that ends in XXXX of 2023, and then pay the other balance off. We made a payment in XXXX of 2023, and Citi split the payment between the 0 % and the 2.99 % promotional balances. When we contacted them to pay off the 0 % in XXXX completely, they advised that it was impossible. We were told the federal law says you must pay the higher interest rate off first before the 0 %, and there was no way around that or the IRS would get involved against Citi. 

When we questioned the representative about how this is essentially setting people up for failure to pay off the 0 % promo balance without incurring the deferred interest, were were met with essentially, tough as a response. 

When we questioned why then was the last payment split between the two, which in their words violated federal law and should be reported, we were met with resistance and anger. Upon further pressing and advising that we would be reporting this incident ourselves, the manager stated he would extend the 0 % promotion for 12 additional months. 

While this may have resulted in a positive outcome for us, this is deceptive and inappropriate business practices. Some folks my not be able to advocate for themselves with a positive result and it should be looked into.

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 2021-09-24
Company: Westlake Services, LLC
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:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2018-02-06
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: Information belongs to someone else

Complaint:
XXXX XXXX reported to TransUnion that I owed a XXXX XXXX bill on XX/XX/XXXX. I have called XXXX and disputed the charge 4 times. I have a letter from XXXX XXXX saying that I have {$0.00} balance. I called and talked to transunion again today which is XX/XX/XXXX. And I have asked if they have done an investigation and the said they called and verified with XXXX XXXX that my name address and SSN was correct and the amount owed. 

I asked if they have contacted XXXX XXXX to verify that was correct. They told me that they can not contact XXXX XXXX, I was on the phone to her for about 45 minutes asking her why they refuse to verify the information and they keep telling me they already did 2 times and that the info came back correct. I gave them the name and contact info for the guy that I talked to at XXXX XXXX and she refused to contact and verify that the info was correct because XXXX XXXX is not the one that reported it she said. I told her then she didn't do a full investigation then if she didn't verify where the info came from. I asked to speak with her manager and she said that she was only that i could talk to about this problem. I asked several times and she refused to let me speak with her manager and i asked for her name and then somehow we got disconnected. 

When i was speaking with her on the phone I asked how can they tell this info is correct, she kept telling me they did a investigation. If you dont check with the source you can not be sure the info is correct? How do they know it was really my account? Anyone can open up an account in someone else name and not pay the bill, and then it will go to collections, they took no steps to verify this was my account. They also refused to contact XXXX to verify the info that was coming from XXXX was correct. 

All i want is collections to be removed from my account and there be no record of it on my account at all. I have been fighting with Transunion for months to get this taken off and they refuse to remove something on my account that they refuse to verify from the source.

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