BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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:
Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-06-15
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:
Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.

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 2021-12-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied for the citi business credit card saturday the XXXX of XXXX when i spoke to a rep  today XX/XX/2021 i informed i was denied. for me that is a shock because i had a XXXX XXXX  & a XXXX XXXX score for business credit. when spoken to a rep after a 2 hour hold and transfer process i was told i opened to many new accounts on my XXXX that is felonious i literally have one inquiry before this one from XXXX. i will add my current credit report below. just because you are a commercial bank does not give you rights to lower my credit score with a hard inquiry & deny a more then copiable applicant.

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 2021-12-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2017-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Summit AmeriFirst Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a home improvement loan with Amerifirst. This loan was established in XXXX with XXXX and XXXX XXXX XXXX. The loan apparently was transfered to Amerifirst sometime after XXXX. I'm not exactly sure why or how but this is the company that I have made home improvement payments to. The original loan was between my husband ( now deceased ) and myself. I have made the payments the entire term of the loan agreement.. I am at the end of the debt and have made what I believe was the last principal payment which included interest. The XX/XX/XXXX statement reflected that the principal balance owed was {$160.00}. However the bill was for XXXX, which was my monthly payment. My principal balance owed was less than my monthly payment, but my monthly statement didn't reflect that. Once I made the payment in full, the statement reflected that I had a balance of {$2.00}. I attempted to make that payment and the Amerifirst online system would not accept anything less than {$25.00}. There are multiple issues going with my complaint. 1 ) My first problem is that I am disputing what Amerifirst claims that I owe over {$500.00} in service fees. 2 ) Secondly, Amerifirst hired another company to manage their online billing. The company did not provide statements or account balances until perhaps enough customers complained for months. 3 ) I was assessed a late fee of {$17.00} on XX/XX/XXXX after paying the principal balance in full on XX/XX/XXXX. 4 ) I received a call from a representative from Amerifirst and was told that the call was being recorded that if I did not pay the service/late fees this loan would be charged off as a bad debt. After paying off the debt in full. I have communicated in writing and over the phone with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to the debt that doesnt belong to me. I HAVE A XXXX XXXX XXXX XXXX XXXX LETTER PROVING I DO NOT OWE THIS DEBT, THIS IS INACCURATE AND IS AFFECTING MY LIVELY HOOD GREATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Opened a short sale prior to the 37 week regulation submitted all the short sale documents to lender. Lender placed file on decline at the end of our collection of docs while review of the offer to decline per the months in default. XXXX   have the file to approve at XXXX public auction. Our buyer has been on at XXXX cash from XXXX XXXX. FHA opened ticket and Wells declined them as well. IRS has a lien that the application to discharge is pending Wells approval.

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 2022-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I was a victim of scammers who posed as USAA representatives to access my account. I immediately contacted USAA and they immediately refunded the money to my accounts and issued me new debit cards for my checking and savings accounts. I received my cards and thought everything was fine until I attempted to do a mobile deposit and was not allowed. I then called USAA and was told a ridiculous hold time of 3 hours on the automated phone system. So I reached out via USAA members chat on line. I was informed that it may take up to 3 days for the fraud department to put my account back to normal. Today is XXXX XXXX and my account is still frozen and I cant reach anyone at USAA to discuss this and I can not access my money. There is no branch to go into because this is an online credit union. They have blocked my calls from coming through because the account is flagged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ERC
State: TX
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:
. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage loan with Chase Bank in  XXXX . We were " pre-qualified ''. Once we found the property we wanted and a signed contract, we met with the loan processer and started the ball rolling. She gave us a list of the items we needed to provide and the " deadline '' for each and we me t each one. Each  time, we were asked for additional documentation, we provided it immediately. She had a little panic moment once when she thought they were not going to approve the loan because the appraiser told them he could not find comps, which he eventually did and furnished an appraisal. At one point, the told us we needed to withdraw funds fro m our 401K to  pay off our truck which is financed at 0.9 % interest! We were able to produce additional proof of income to offset the truck payment. ( our daughter lives  in one of our ho uses and we had never had her sign a lease, which we did to prove income ) Just when we thought we were ready to close, she contacts us and says the loan is approved, but they are asking for a survey. The survey took  2  weeks to obtain and cost {$2000.00} plus the seller requested additional earnest money because it was taking so long. We provided the survey and the next day, she contacts us and says they are denying the loan. Why? Because even though my husband is " retired '' ( drawing   XXXX   benef its ), he rem ains listed as " active '' on the independent contracting firm 's roster that he has worked for the last 14 years. While he is receiving SS benefits, he is allowed to earn a nominal income to supplement. We have demonstrated the ability to pay at every turn. We have ample assets to protect their interest. There is NO reason ( especially the one the g ave us ) to d eny this loan. It ha s been two months  and we need to get this done. We are out {$2000.00} at their request plus the additional monies we had to send the seller. We need to close this loan!

Company response to consumer: Closed with explanation