BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-03-11
Company: MEGA CAPITAL FUNDING INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in forbearance due to XXXX from XX/XX/XXXX through XX/XX/XXXX. In XXXX of XXXX, I advised my mortgage company that I wanted to be out of forbearance, and asked them to defer the outstanding loan balance to the end of my loan, to which they agreed. They told me they would process my loan and take me out of forbearance, and it could take up to 30 days. Since XX/XX/XXXX, up until today, XX/XX/XXXX, I have made 3 on-time monthly payments and I am still not out of forbearance. I have called my mortgage company at least 10-15 times in the past few months to ask why I have not been taken out of forbearance. Initially, I was told it could take 30-60 days due to a backlog of cases. When I called back after 60 days, I was told my loan would be out of forbearance within 14-28 days, and I was quoted it would be out of forbearance by the end of XX/XX/XXXX. I called back after XXXX ended since my loan has still not been taken out of forbearance. I have called back at least 6 times since then, asking as to why my loan has still not been processed, and I have been hung up on, or told there is no time frame to take my loan out of forbearance. I have asked to speak to a supervisor, and every time, the representative has denied me the opportunity to speak to a supervisor. They say they will have a supervisor call me back, but I have yet to receive a phone call from them. Representatives now tell me that there is no time frame for me to get out of forbearance. I have done my part to get out of forbearance, and they have not delivered as promised to take me out of forbearance. It is costing me the opportunity to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Delbert Services
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Consumer Portfolio Services, Inc.
State: TN
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 I am filing a complaint because the car I purchased was totaled in a car wreck and my insurance refused to pay it off after they totaled. I can not drive the car at all I told the lender what happened they still trying to make pay a car that I can not drive after a drunk driver hit my son and they do it the lender and the insurance company I was played twice with this insurance company. A young lady hit me the first time and the insurance did not pay for it and she was going the wrong way but I can not afford to pay the lender holder about this car? Trying to figure it out how can get another vehicle but keep getting denied because I have and open loan with this lender and bern trying to get some help trying to get a lawyer no one will help me they keep saying I should have ask for uninsured motor something they was never offer to me because I had full coverage on the car. I got a chance to pay one car not but after the accident they told me not to pay another note because the car was totaled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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.

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 2022-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We had fraud on our business checking account in XX/XX/2021. XXXX checks were cashed twice and Chase Bank reimbursed us for 4 of the 6 checks, after MONTHS of waiting. We are asking Chase Bank to take responsibility and reimburse us for the last 2 checks. The check numbers are # XXXX for {$410.00} and check # XXXX for {$470.00} totaling {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: FIRSTBANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: I.C. System, 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:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting I however, never received any calls, notices, or letters from IC Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

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 2020-08-03
Company: EQUIFAX, INC.
State: NY
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:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So, I am a XXXX  XXXX participant with XXXX XXXX XXXX XXXX. We signed a contract with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never had the opportunity to move into the unit due to no heat or hot water.I did not know that before signing the lease. I had already turned on the proper accounts in order to access these services in my name, through XXXX XXXX and XXXX XXXX. The development XXXX XXXX had not repaired the issue of installing a new water heater which was broke., also I was not able to access heat during this winter month because their was a mechanical problem with the heating system in the unit. I was not aware of these issues until I went into the unit to turn on the heat and to take a shower. I called and went back to the leasing office to speak with the property manager who worked with me to move into the unit. I arrived and she stated that I must put in a work order for maintenance to come out. I asked if they could come now because the unit was cold and I wanted to shower. Th

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy. 15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I been with Lexington law for year and 3 months I had to pay XXXX then I had to pay $ XXXX  month then I had to pay XXXX dollars then drop to XXXX month in that time they clean some of my credit score XXXX XXXX XXXX XXXX Experience Is customerservice there rude and when you trying to come to some kind of conclusion I tell you that they're not returning No money back no refund Can you tell you that they did everything that they could to clean up my credit I'm only telling you or just false lies They are scammers Before banana what is my credit score they can't even come to clues and what is my credit score but keep on telling me that is my credit score is gon na go up once I removed bad Inquiries And other things telling me nothing but lies lies liesI have to pay other company to fix my credit And this is so terrible my credit score is 4 Before I was with them l was almost XXXX or XXXX Before I need something to be done about this company Gon na be shut down cause they're ripping off people Real badly I see reviews about other people Much they have ripped them off I hope this help so no one go though what I went through it a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Upon entrance into XXXX, I was unable to afford college without help from grants and private school loans. I began taking out loans in 2005 with XXXX XXXX who more recently transferred all of my remaining loans to Navient. I have contacted every department possible, beginning with XXXX XXXX and now Navient, to attempt to consolidate and or refinance my remaining loans and have had no luck. I have been told over and over that they " ... do not consolidate or refinance loans ''. This to me is absurd. I am being held to live with what my interest rates, credit score and risk level was at the age of XXXX ; when I did not have credit or time to even establish any. I currently have loans with interest rates exceeding % 16. With my total owed amount exceeding XXXX, my principal payment is XXXX {$300.00} while the interest is in excess of {$700.00}. It 's robbery! This monthly payment is higher than my mortgage payment on a {$220000.00} home. I have also been denied internal Navient assistance programs and have had to go to top leadership for approval as a result of getting a new car loan ( after being in a total loss car accident ) and after obtaining a mortgage ( that was less than my monthly rent payment ). Navient has stated over a and over that I am not allowed to acquire ANY new loans until they have been paid in full or I will not qualify for their help programs ; even in the instance that the new loans are cheaper than the previous monthly bills. This company basically regulates your life! If you do n't pay, they have been authorized to garnish your wages. I have exhausted every avenue known to me, to include contacting outside banking institutions that used to consolidate private loans and now no longer do so. Resulting in me being stuck with Navient. I really hope this lawsuit shines light on this situation and brings it to the attention of new college students in their efforts to pay for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Absolute Resolutions Corp.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was checking my credit report and saw that I had an account with Absolute Resolutions for {$590.00}. I was never aware of this matter via phone or mail within 5 days according to the Fair Credit laws. Also this company is not licensed in the state ( NC ) I reside in to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased my auto from Nissan and financed the sale via Nissan Finance. I elected the FinanceSignatureDIRECTPAY system which allows for automatic payment withdrawal from my bank account. Nissan Financial has been taking my monthly payments directly from my bank account since the sale was made. For some reason - they say my paper work was late I say they delayed processing it - the first payment was delayed and therefore some subsequent payments, according to them, were late. Nissan Finance has been taking all payments out of my checking account on the XXXX of every month, none of those payment were late ( see attached payment record ). This problem is a bookkeeping issue on the part of Nissan Financial and should not affect my credit history. I made an " extra '' payment to this loan to fix the bookkeeping error on XXXX/XXXX/2014. Please have Nissan Financial correct the information they sent to the credit reporting agencies post-haste. 
Enclosed is a copy of my payment records from Nissan Financial 's web site supporting my position. Please investigate this matter and contact the national credit reporting companies to which they provided this information to have them delete the disputed item [ s ] as soon as possible. 
I tried to resolve this issue with your phone customer service reps to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX dealership, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

XXXXXXXX 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