BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I'd like to report a dealership from denying me to be a cosigner with my XXXX. 

On XX/XX/XXXX, my XXXX  and I went to XXXX XXXX XXXX  to purchase a new XXXX XXXX  XXXX. 

They ran my credit which pulled XXXX at that time, and salesperson came to me and said my credit was very good and should be no problem and that we just needed to wait for the finance person so we can close the deal in his office. 

Fast forward the XXXX and finance person did not allow me to be on the loan and car title with my wife for the reason that Nissan Motor Acceptance Corporation aka NMAC does not allow ITIN to be on the loan.

I asked the salesperson if ITIN was allow and he said yes, also in their website clearly states provide either SSN/ITIN in the field box for the credit application request directly from Nissan Hgreg website. ( I will be attaching a screenshot ) Decided to trust their words and made the deal with only my wife in the loan.

Next day I called NMAC ( Nissan Motor Acceptance Corporation ) and ask them if ITIN is allowed and got multiple answers from different representatives that ITIN is allowed to apply and obtain a credit with them.

I went back to the dealer to talk with the manager and explain what NMAC had told me over the phone, but they did not seem interested in fixing what was already done.

This cost me a hard pull for no reason and an additional {$220.00} from the XXXX ( XXXX  Of XXXX XXXX ) because my XXXX did not had a plate under her name and had to get a new XXXX, however I could have saved {$220.00} from the XXXX for having a plate available to be registered on a new car, but wasn't able to use it since they did not allow me to be on the contract with my wife. 

I have been making all payments from the beginning debited from my savings account, NMAC have this information. 

I have already gotten a SSN earlier this year, so I no longer have ITIN.

But ITIN and SSN are allowed by NMAC and I can confirm this information since I made several calls to NMAC and was told ITIN is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
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 sent letters asking for verification of the company listed below. This account has not been verified by the company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: World Acceptance Corporation
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that World Finance report new corrected information to update my credit file to XXXX for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/ and XX/XX/ and XXXX has listed someone named XXXX XXXX from World Finance Corp as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but XXXX is waiting for the updated information from World Finance Corp in order to remove the World Finance account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to XXXX. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to XXXX. There are XXXX active complaints in progress for XXXX XXXX with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT WORLD CONTACT XXXX AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through XXXX have been unresolved as XXXX is stating and I quote " World Finance is stating information on XXXX report is accurate '' XXXX XXXX listed as contact for World Finance Corp. XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at Worl Acceptance Corp and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the XXXX credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. World Finance and XXXX have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a XXXX XXXX XXXX  Veteran as determined by the VA I have a home loan now with Penny Mac The name of the loan is in my name and my wive 's name. 

I requested to have to have the loan transferred to our revocable living Trust.

Penny Mac requested documentation to consider and allow for the transfer to our trust. 
We provided all the documents and evidence they requested. 

They stated they would be sending us a written confirmation in the mail within XXXX business days. 
They have not sent that written confirmation. 
We have been requesting ever since. 
We have made more than XXXX requests- all have been evasive and they will not confirm Because the lender ( Penny Mac ) won't send us the written confirmation that we can transfer our loan to our revocable trust, we can not complete our estate planning and they are costing us a lot of money with attorneys In the event something serious happens to myself or my wife, Penny Mac will be putting our loan and estate in chaos and probate, which could cost us years and tens of thousands of dollars All we want is for Penny Mac to do as they promised. And do what they required We have fulfilled all requirements from Penny Mac My name is XXXX XXXX. 
My Account Number with XXXX XXXX is XXXX I am XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
Penny Mac is wearing me out and I can not handle the stress of them ignoring me Penny Mac has a power of attorney auththorization allowing them to speak directly with my son, XXXX XXXX. I would prefer they speak with him from now on. It is too much stress on me to have Penny Mac ignore me and continue stall tactics. My son, XXXX XXXX, can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of my credit reports under 15 usc1681-604a section2 Dates back from 10 years ago XXXXnow These companies keep reselling my credit reports once its sold its not my debt they keep misusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NE
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to these inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. There are accounts on my credit report that I have no knowledge of and need them removed 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 2023-08-09
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX about 2 years ago start showing auto loan for {$12000.00}, and a credit card charged off for {$10000.00} from XXXX XXXX XXXX XXXX and a collection for {$130000.00} from XXXX as closed account and stopped showing 2 of my current accounts such as my mortgage with XXXX XXXX XXXX .Experian also was showing same report except after disputing they removed one of the account with XXXX XXXX XXXX and left the rest the same. 
I have contacted the XXXX and Experion over several months via registered mail asking them to correct their reporting by removing the wrong items and putting back the right accounts that it are mine but they have have not done anything to correct their inaccurate reporting. 
I filled the complaint with CFPB asking them for help and now as of today they responded back claiming I am a victim of Fraud and start showing my mortgage loan with XXXX  XXXX XXXX as newly opened accounts instead of the actual date when I got the loan which is XXXX  and still shows the other 3 negative accounts and have not removed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX I, XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a Citi Bank credit card. I spoke with Citi Bank over the phone two years ago, and Citi Bank ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with Citi Bank again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. XXXX XXXX I, XXXX refuses to remove the account from my credit report and refuses to do a three-way call with Citi Bank 's customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to Sam 's Club pharmacy and used the Synchrony Sam 's Club card. I was told that Synchrony closed the account. I was not told anything about this. I was shocked. 
I am on Social Security. I never received any document about this. 
I had to file XXXX  two years ago. Synchrony was on the list. 
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 explanation
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. ALLY FINANCIAL account # XXXX claimant 's offer to perform ( pay with FRNs ) upon REMOVAL OF LATE PAYMENT. PURSUANT TO TITLE 15 U.S. CODE 1666b ( a ) A creditor may not treat a payment on a open account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title. I have received my credit report, from XXXX, XXXX and XXXX. I have contacted ALLY numerous times and even disputed it with the Credit Bureau. I am requesting a goodwill adjustment to remove the late payment in order to re- finance my home. I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment is reported to XXXX, XXXX and XXXX XXXX and I am requesting removal of this one 30 day late payment ( XX/XX/2023 ), as it has been reported to the bureau 's. Please remove XXXX 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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited my check and it's verified and then But not through their system so they put a hold on my rent money check and now Im homeless because they chase bank won't call the number to verify the check only looking up the number they say if they look it up and it doesn't show I can have my legitimate check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines.

I want to emphasize the following key points : Mistaken Limitation : I strongly believe that the limitation on my account is the result of a mistake or misunderstanding. I have consistently used my PayPal account responsibly and have not engaged in any activities that would warrant such action. 

Policy Compliance : Throughout my time as a PayPal user, I have diligently followed PayPal 's terms of service and acceptable use policies. I have not violated any of these policies knowingly or unknowingly.

Request for Re-investigation : I kindly request that PayPal conducts a thorough review of my account activity and the circumstances leading to its limitation. I am confident that this review will reveal no wrongdoing on my part, and I earnestly ask for the reinstatement of my account if deemed appropriate. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support these efforts. However, I am convinced that my account has been incorrectly targeted, and I am eager to resolve this matter promptly.

I kindly ask for your immediate attention to this appeal and a prompt re-evaluation of my account status. Restoring access to my PayPal account would greatly assist me in conducting my online financial transactions smoothly and securely.

Thank you for your understanding and assistance in this matter. I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My former employer issued me my last pay check after I have resigned from my job. That paycheck includes my regular worked hours and my Paid Time Off balance. The checks total is {$1600.00}. 
The name of the employer is XXXX XXXX XXXX XXXX, and the name of the bank on the paycheck is JP Morgan Chase bank. I live in California, and I was working for the employer ( XXXX XXXX XXXX ) here in XXXX, California. 
I went to JP Morgan chase bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA, to cash my check. The bank teller would not cash the check for me. She declined to cash the check, stating that the employer has a limit of {$1500.00} on the account, {$1500.00} being the maximum amount that the check can be written for and honored by the bank. I was very surprised to hear that because, my former employer would not have written me a check for {$1600.00} representing my earned wages and Paid Time Off, if they knew that the maximum amount they can write employees paycheck for is {$1500.00}. 
Not only the teller would not honor and cash the check for me, she also stamped the back of the check endorsement cancelled, which now prevents me from cashing the check somewhere else and even depositing it in my account. I tried to cash it at other check cashing agencies and even tried to deposit it in my account but none of them would take it because of that endorsement cancelled mentioned or stamped at the back of the check by the banks teller. Now I cant cash my paycheck, while I have some bills that were due and are now past due, that I needed to pay. I contacted the banks customer service number by dialing the banks XXXX number. I explained the situation to the agent I had on the phone, and she told me that she was surprised to hear that because they ( the bank ) do not have any such limit for that amount on that customers ( XXXX XXXX ) account. The customer service representative told me that any such limit for that amount does not exist, that the bank does not have any such policy in place. I understood that perhaps the teller I met that day at the bank simply did not want me to enter in possession of my rightfully earned pay, and simply denied me a basic bank service for which they are federally insured through the FDIC program. Now I cant cash my paycheck, and I dont have the money to pay my bills. This is simply not right. 
I have decided to speak out about it and file this complaint against the bank for such attitude of one of their employees ( the banks employees ). 
This happened on Saturday, XX/XX/2023, around XXXXXXXX XXXX  at the JP Morgan Chase bank located at XXXX XXXX XXXX XXXX in XXXX XXXX, California.

Company response to consumer: Closed with explanation