BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My name is XXXX XXXX. In XXXX XXXX, I went to XXXX XXXX in XXXX XXXX to obtain a vehicle. Everything was going great. I was told that financing was obtained and everythng was a go! So a little more than 2 weeks later, I had recieved a call from the sales professional who had delivered the car to me regarding that they had to unwind the deal due to financing was not obtained. I then at that time expressed that it was over the 10 business day time frame and that per Federal Regulations, financing had to be obtaned and I did not have to return the vehicle. Then I thought about it and I did not want the drama in my life. At the time I was in California visiting my family. When I returned back to Vegas, I went to the dealership the next day and returned the vehicle. I returned the vehicle in the same condition I drove it off in. When it came time to discuss returning my down payment, a bald gentleman stated that since they had to provide insurace, I had to pay XXXX. I tried to dispute the claim but in the end, U was returned XXXX approx. So I went home and did my research and found out that they were comitting auto fraud. I had been trying for almost 2 yrs to get my XXXX back. I have been very unsuccessful in doing this. The sales men at XXXX XXXX have verbally expressed to me that they dont owe me anything due to the fact that I signed a contract. I have tried to explain to them that the Federal rules and regulations superseed the contract that was signed. I had been going throught this for almost 2 yrs now. Today XX/XX/XXXX, I have been here at XXXX XXXX since XXXX this morning, watching them do spot deliverys all day and comitting fraud like its not illegal. I have been yo-yo 'd around all day. The XXXX told me that he would pay me my XXXX today. Well here it is XXXX XXXX  and I still an sitting here waiting for him to pay me and still i have nothing. I am so in need of your help. I am a single mother and grandmother and can not afford to loose this money. It seems like they are doing nothing but stringing me along and hoping that I will give up. Well they are in for a huge fight, I have read and studied the Federal rules and regulations regarding this type of situation. I know in my hearts of hearts that I am 100 % within my rights and that my rights are being violated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I've been disputing with them since XX/XX/2019 about removing my XXXX   XXXX credit card from my credit report. They made my score go way down and then I got the run around from different " supervisors '', I even got XXXX XXXX to contact them and send me my good long standing account via email and still they won't fic the problem nor report my card.

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 2022-05-22
Company: Grain Technology, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been locked of my account for XXXX weeks now waiting on them to verify my account and I my payment is due this month but can not access my account to make my payments. There is no number to reach anyone and I have written in so many email tickets with no response. They say 2 business days you will get a response but I have yet to get a response. 

No one has helped me. I have screenshots of my email requests with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
ive sent countless letters over the past year about an error on my credit report with transunion showing a Bankruptcy and I just get a default letter stating verified I've contacted XXXX XXXX  and the court they claimed they verified with and both sent me letters stating it wasnt with them Ive ask transunion several times what was the method of verification just to get sent a letter again saying verified. not saying when, or who, what day, what company, the person they spoke with, or the address of the company. I already called transunion after they send a letter stating that im a Credit company only to say they won't look at my dispute. I had to send another letter verified and get a signature just to say verified no other details

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 2020-07-10
Company: Experian Information Solutions 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:
I have submitted several documentations of proof that Experian is reporting inaccurate information on my credit report. Experian refuses to update the information to report correctly.

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 2020-08-18
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I reside a XXXX XXXX XXXX in XXXX XXXX, Colorado, XXXX. In the past two weeks, I have received two credit cards in the mail from USBANK Reliacard - for people who do not live here. I am guessing that people are using my address to collect benefits that are not due to them. 

The cards are for XXXX XXXX and

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied for a XXXX Credit Card. My Credit Card application was declined. I phoned XXXX reconsideration line to see what happened. The XXXX representative gave me information based on the TransUnion report that XXXX received from TransUnion, based on which I would not meet the standards for the Credit Card. However, the information that TransUnion sent XXXX was outdated. I compared the amounts owed to my XXXX Credit Card XXXX XXXX, and the XXXX representative and I could verify that the TransUnion report was outdated and not correct. The TransUnion report showed that I owe bigger amounts of money. Same happened with my reports on my XXXX Credit Card and my XXXX Credit Card. The information that TransUnion sent XXXX was outdated and incorrect. I attach screenshots from my online profile from the Banks of what I owe to the Credit Card as of today XX/XX/2020. If you compare my attachments with the actual report generated by TransUnion on XX/XX/XXXX you will verify that the TransUnion Report is outdated. I phoned TransUnion but the answer I received was that there was no representative that could assist me, and during XXXX the offices of TransUnion are not completely open. The offices of TransUnion being closed and not providing XXXX  with an up to date report caused a Hard Inquiry on my Credit Profile, and I would like to ask to have this Hard Inquiry removed.

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 2016-06-14
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I paid my XXXX credit card ( {$90.00} balance ) in full or so I thought. The card was one day late and was charged a late fee. I did n't realize that I had incurred the late fee therefore did n't think I was carrying a balance. I do n't recall seeing the statement last the credit card statement either? 

I used the card again in XXXX and when I went to pay the bill off in full again, I realized I had a past due + 30 day balance. I am in the mortgage industry and realized the impact this ONE LATE PAYMENT BECAUSE I WAS ONE DAY LATE now has dropped my credit XXXX points and the cost of credit I pay increases because i was 1 day late on a {$90.00} balance. And I pay this Target card in full overtime! 

I reached out to XXXX and the person I spoke with indicated they would open an investigation and realized that I was one day late and have a great pay history etc. I received a letter stating the investigation was complete and they found out they found I was late. 

While I realize I was, I feel that this impact it has on my credit and financial history is extreme for a 1 day late credit card when I the consumer thought the card was paid in full. I would have paid any amount due then have my credit affected the way it has. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: PA
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:
I paid in full for XXXX XXXX  XXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX  XXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXXXXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I paid in full for XXXX XXXX XXXXXXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX XXXXXXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme

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 2016-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO BANK OF AMERICA SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS BANK OF AMERICA BELIEVE HIM BANK OF AMERICA IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, BANK OF AMERICA IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... BANK OF AMERICA, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY.

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 2022-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX XXXX a month before my lease was up in 2019. I even went to court and advised the judge I would move out the time I promised. XXXX retained Fairs Collections & Outsourcing to collect my due balance for breaking my contract. Balanced owed by the courts is {$1800.00}. Fairs Collections is reporting an outrageous debt amount of {$6000.00}. For years, Ive told them I would pay the amount I owe not the made up number thats on my report. They refused to take the payment.

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 2022-05-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is on my credit report. I spoke with the original creditor XXXX and they indicate that this account does not exist. i spoke with debt recovery solutions on XXXX and XXXX and XXXX representatives were rude over the phone and only cared if i was going to pay or not. all i tried to do was ask for help since the original creditor does n't have any info on the debt then how am i supposed to get this resolved. I spoke with XXXX XXXX who claimed to be the " top manager '' and he also had a bad attitude and did not maintain professionalism. all they offered was to send me a bill however that would not help in this situation.I offered to conference the call with the original creditor however the manager refused. he acknowledged that the original creditor would not have any information on a sold account but would not explain why the representative the previous day told me to call them. this company is giving me the run around and it is unappreciated.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On my Transunion credit report I seen a inquiry from XXXX XXXX which is for a XXXX XXXX XXXX card that I never applied for the inquiry is fraud.

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 2022-05-22
Company: EQUIFAX, INC.
State: VA
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:
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as Equifax XXXX XXXX and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Arbitration

Complaint:
I received a Costco-branded Citi-issued visa card as part of my membership, Costco having changed its affiliation from XXXX to Citi-visa. Upon receipt of the documentation, I immediately sent Citi on XXXX XXXX, XXXX a letter seeking to opt out of the mandatory requirement that all disputes be submitted to binding arbitration. When I received the actual credit card, I reached out to the Citi-Visa representatives to seek confirmation that my opt-out letter was received and acknowledged. I did this because of any earlier issue in XXXX wherein Citi failed to acknowledge an opt-out of binding arbitration for XXXX of its issued master cards, and when they refused to acknowledge my written opt out, I terminated that account. 
When I was told that I had sent my Costco Citi-visa opt out letter to the wrong XXXX XXXX XXXX I again sent a letter on XXXX XXXX to the XXXX XXXX I was now directed to and upon further inquiry, was told that my opt out had not been received and would not be acknowledged. I sent a third opt-out letter on XXXX XXXX which to date has not been acknowledged.. I was promised by numerous representatives that I would receive some written communication advising me of my status but to date, none has been received. I have not activated the account as I do not want to be bound by onerous terms and conditions of mandatory arbitration from which I have sought exclusion. 
Costco only takes XXXX as a credit card and their branded XXXX affords rebates for Costco and other purchases, which I am not able to enjoy because of the actions of Citi.

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 2016-06-20
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I PURCHASED A HOME IN XXXX XXXX FOR XXXX AND SINCE THEN HAVE HURT MYSELF AT WORK ( XXXX XXXX AND HAVE REQUESTED HELP IN XXXX FOR A MODIFICATION ON MY MORTGAGE BECAUSE MY PAY IS NOT REGULAR PAY ANYMORE AND THEY WILL NOW HELP AND I PAID THEM {$500.00} A MONTH AND THEY DID NOT TELL ME IT DIDNT COUNT TOWARD MY MTG, SINCE THEN I HAVE BEEN BACK AND FORTH TO WORK BECAUSE OF MY INJURIES AND HAVE APPLIED FOR HELP TWICE AND THIS TIME I CAN NOT GET ASSISATACE AND THE WANT ME TO PAY XXXX A MONTH BUT THEY HAVE SENT ME AN APPRAISAL TO ME TWICE THAT MY HOUSE IS ONLY WORTH {$30000.00} I FEEL USED BECAUSE IF THEY FORCE ME TO MOVE THEY WILL NOT EVEN GET XXXX FOR THIS HOUSE I NEED A ROOF AND HAVE PLUMBING ISSUES BUT STILL WILLING TO PAY SOMETHING FOR THIS HOUSE AT LEAST WHAT IT IS WORTH, I AM CURRENTLY BACK AT WORK NOW BUT STILL HAVE XXXX I HAVE TO HAVE SO IM WORKING 24HRS A WEEK AND GET PAID THE REST FOR OFFICE OF WORKMANS COMPENSATION WHICH IS WAY LESS THAN WHAT MY PAY WOULD BE IF I WAS WORKING MY REGULAR JOB 40HRS A WEEK. PLEASE HELP

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