BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with TransUnion and XXXX. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX XXXX is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive called emailed and spoken with trans union the company that is currently supposed to be reporting to Ive paid XXXX XXXX monthly on this car and only sought this type of loan to Improve my existing credit but this is absurd no one can tell me anything as to why this isnt being reported and Im being told it is trans union kept telling me to call XXXX XXXX but they claim to have no clue why its not reporting but who helps me my credit should have changed good or bad but why havent this issue been remedied

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 2015-07-28
Company: Crown Mortgage Co.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with XXXX and XXXX. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX services is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.

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 2022-08-25
Company: EQUIFAX, INC.
State: CO
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 submitted several complaints against Equifax Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXX XXXX  has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Equifax? They also contradict themselves in their response stating that all unpaid collections will remain on the credit file for 7 years however the other collections that they removed was also unpaid and is no longer reporting. This will be my last CFPB complaint before I file a fraud complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello My family has been through complete turmoil these past 6 to 8 months, First, my father n law passed away unexpected without any life insurance, then our house sold for taxes and we had 15 days to move which we did but it was a hefty cost and then I got sick in XXXX, swear it was XXXX but wasn't tested because tests weren't available yet and then the pandemic shut everything down, Both my husband and I got laid off but my weekly rate is {$110.00} and I was in touch with the lender and they agreed to defer 3 months and catch us up and I felt relieved but then I get a call that my car is being repossessed and they want XXXX to catch the loan up, It's our only car and our only way for husband and me to get to work, He went back this past Monday and I am returning this coming Monday. I didn't plan for our life to be torn apart, We had to go to a food bank for the first time in 10 years and that's disgraceful, Please help us!!! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Crow Creek Sioux Tribe
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have XXXX advocate representing me and they called and sent out XXXX & via us mail to stop calling me & then they started not only calling me but also my work which then XXXX sent them another XXXX & also phoned them to cease but my work got another call from them today I am a home care provider I 'm out in the field I 'm not aloud to receive person calls & such I can lose my job over this and I told them this and yet they still continue. Please help me with this situation, I need my job. 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 2022-04-20
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
A little over two years ago, I turned in a vehicle that I had financed due to financial difficulties. ( Voluntary repossession ) Later on that year which was 2020, the finance company charged off the debt and it says so on my report. However they are still adding negative remarks every single month without fail making my credit suffer needlessly. I thought once charged off, the company couldn't still do that ; adding to a growing balance The people working there are very rude and it feels like it's personal.

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 2020-06-17
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After contacting the CFPB ; National credit system sent me a identity theft affidavit to fill out & asked for my ID. I have filled out the affidavit and have my ID on hand. When I called to speak with the person over my case to see WHERE I send it to, he hung up on me. I dont have money or a way to mail them the paperwork they asked for. Just like the sent it electronically I need to send it back electronically. I dont have funds to go buy stamps and envelopes. Which is why I am doing it all online. They also asked for a Notarized signature and idk what that is and if its something I have to PAY for to get, I cant do that either. So I will be attaching my ID, the identity affidavit & my report from the FTC. So unless they have a way for me to send all this info for free via paper mail and a way for me to get whatever they want notarized done for free ; Im not able to do it. The FTC accepted my identity theft report. I am sending what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm inquiring about help with a bill collector that is calling looking for the wrong person. This woman keeps calling from a company called North Star Services. She is looking for XXXX XXXX, whom I am married to. Except they are looking for a different XXXX XXXX. They want me to give them personal information and when I wo n't, the woman I spoke to said she wo n't take the numbers off. They must be searching the internet and XXXX for our relatives. They called my cousin who works at a XXXX in XXXX XXXX and lead her to believe there was a family emergency and tricked her into giving information. They verified that the XXXX XXXX they are looking for lives in a different city but then they want us to give out date of birth and social security. 
I have also found people blogging on the internet about this same person from back to 2013. Seems like they are always calling people about made up debt and harassing family members at their work place. Are there any laws in place to stop this? 
How can I stop them from harassing family members? 
Person 's name is XXXX XXXX or XXXX XXXX XXXX North Star Location Services Thanks for your help, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Convergent Accounts XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open 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 2022-04-20
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX account number XXXX, XXXX XXXX account number XXXX and DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction

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 2016-01-22
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Summary of complaint : 1. In violation of PayPal User Agreement, Section XXXX, PayPal failed to properly investigate and protect me against unauthorized charges and illegal selling practices, in which Seller doubled my order without authorization, and then refused to refund the extra item unless I pay restock and shipping fees which exceed the refund value. 

2. PayPal failed to provide an explanation of their decision to deny my claim, which is in violation of PayPal User Agreement, Section XXXX : " If we decide that there was not an error, we will include an explanation of our decision in our email to you. '' 3. PayPal refused to provide documents used in the investigation, which is also in violation of PayPal User XXXX, XXXX XXXX : " You may request copies of the documents that we used in our investigation. '' Summary and timeline of transaction and dispute : XXXX/XXXX/XXXX : XXXX. XXXX XXXX : I order a Sweater, size Small, from XXXX ; paying via PayPal. 
XXXX. XXXX XXXX : I review email from XXXX and notice invoice is for size Medium. 
XXXX. XXXX XXXX : I respond by requesting XXXX to cancel wrong order and send size Small. 

XXXX/XXXX/XXXX : Three ( 3 ) days after my request to cancel the incorrect order, XXXX ships out XXXX orders, XXXX ( XXXX ) Small and XXXX ( XXXX ) Medium, from XXXX, XXXX. 

XXXX/XXXX/XXXX : After discovering that XXXX has shipped and charged me for both sweaters, I advise XXXX of the error and request to return the incorrect order. 

XXXX/XXXX/XXXX : XXXX responds " we sent you size M, by the way, we are XXXX size, it will run a little small.we think M is better for u '' XXXX/XXXX/XXXX - XXXX/XXXX/XXXX : After three ( 3 ) weeks of poor communication with XXXX, XXXX finally agrees to accept a return if I pay {$30.00} shipping, and after receiving the item they will deduct a XXXX % restock fee and issue a refund of only XXXX % of the original cost. 

XXXX/XXXX/XXXX : Frustrated with the slow/poor communication, I report the issue to PayPal in hopes of a more timely resolution. 

XXXX/XXXX/XXXX : 1. I receive an email stating that PayPal denied and closed my claim, with no explanation as to why. This email states : " If you 'd like a copy of the documentation we used in the investigation of your unauthorized account use claim, email us at XXXXXXXXXXXX ... '' 2. I send an email to XXXXXXXXXXXX, requesting the documentation used in the investigation. 

XXXX/XXXX/XXXX : I receive an email from XXXXXXXXXXXX refusing my request for documentation, stating, " To request information about a customer? s PayPal account, an attorney or law enforcement officer must submit a legal subpoena. ''

Company response to consumer: Closed with explanation