BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX has locked my account, I have called them several times. They arent willing to assist and are claiming that my account isnt locked. I really need EQUIFAX to update my profile and make it accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: LoanCare, LLC
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi. 
Tha complain is about Loan Care Bank where my mortgage company is after XXXX XXXX XXXX sold it to them. The thing is that I sent my payment on time from NY to PA that is their payment center and have passed 12 days and they said that this payment has not received and now came new month and I went to their website to check if the payment was receive and appears a note that says that my account is 30 days past due!! But I was reading reviews and I am not the only one that happened also they do not post the monthly statements on time. Now my credit score will be low just for something like this.

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 2015-08-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an automobile loan with Nissan Motor Acceptance. I madde timely payments for most of the life of the loan. well towards the end of the loan life i experienced financial difficulty. I called Nissan as I was unemployed foir an extended period of time over one year. I was told that i could defer payments for up to 4 months and request this separately for each month. i lost my job as i needed to go on XXXX leave. with a XXXX my job at the time let me go to avoid XXXX payment. in any event i needed to defer my payments. XXXX granted them however they repossessed my car during this deferment i had only XXXX payments of XXXX left before the car would have been paid off. they added repossession fees and interests and sent me to collections. at the time i was XXXX and finances and did not know how to dispute this. please investigate and resolve. my credit is ruined with the reposession and the car is gone and it was almost paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Receivable Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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
Consumer complaint received 2015-05-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: CA
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 company XXXX XXXX in settlement and experian will not remove, even though they removed another account XXXX XXXX XXXX  ) which was paid in a settlement as well.

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 2022-05-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been with the state employees credit union for more than 20 years, since I was a teenager. Around XXXX, I had some issues with them trying to apply for a mortgage loan. They gave me the runaround from branch to branch until I started complaining about the services and misinformation I was receiving. Then, I requested that my wife and I open an additional share ( savings ) account to start saving money together. It was denied to me for reasons unrelated to my credit or banking history. When they tried to fix their mistake, I refused to do business with them. 
In XXXX I bought my home with no problems and got financing through my builder. Within this year, I tried to refinance my home with the credit union and was denied, despite the fact that my credit score exceeded their " qualification '' expectations. 

Prior to all of this, I also had a personal loan to consolidate my credit cards, and I paid that loan off on time and early. On XX/XX/XXXX, I tried to consolidate them but was denied again. 
I am filing a complaint because I believe the secu has retaliated against my previous complaints against branches and executives. I can not retrieve those prior messages from the portal because their system limits the amount of time before deleting them. 
Filing this complaint is only step to show how the credit union has discrimination and I can say with several other people that I know personal, of color, have experienced this with the credit union. 
I am disgusted that I have always tried to keep a upstanding credit and payment history with the bank, only to express my concern about the miscommunication with trying to purchase a home and they credit union decided to black mail me from any future lending services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CT
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:
The Equifax Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The Transunion Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account 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 non-monetary relief
Consumer complaint received 2016-01-20
Company: Reverse Mortgage Solutions, Inc.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have a XXXX mortgage for purchase with reverse mortgage solutions and they are threating foreclosure on a lapse in flood insurance of three months in 2014 due to fema of a total amount of XXXX dollars our flood insurance is XXXX dollars per year I am on a fixed income and can not pay the amount they are demanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately. 

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
today ( XX/XX/2020, we reported a scam to both Bank of America and XXXX We were scammed by a company. we made a payment with bank of America via XXXX to account ( XXXX XXXX XXXX ). We immediately noticed the seller is fraudulent. Contact with my bank and open an fraud investigation. with ref number XXXX. 

Bank of America told us it would take 10 to 45 days. 

Bank of America transfer the money to XXXX XXXX.We called the XXXX to report the fraud with but they are not taking our scam claim. Simply being part of the fraud and helping the fraudulent. in XXXX  we talked to XXXX and XXXX. 

we did all our part to report the scam and scammer but banks is acting slow because it is my fault. we can not stop the fraud and recover our money because both Bank of America and XXXX XXXX  are not taking promptly. In this process there is no way to stop scammers.

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 2022-05-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 I visited a TD branch to open a checking account. The banker helping me asked me to write down my SSN. I refused, saying this constituted a privacy issue and a serious security risk to my personal information. The banker then asked me to giver her my SSN verbally so she could input it into the system. I agreed and gave her the number, and saw that my SSN was stored unobscured for anyone to see! I asked the banker if customer SSN information is available to ANY BANKER AT ANY TIME and was told that yes, SSN are NOT stored obscured or protected and that any banker could simply view a customer 's SSN at will. I cancelled the account application and returned the next day to speak with a manager who confirmed everything the banker had told me. In this day and age it is beyond belief that TD stores customer ID information and SSN information IN THE OPEN FOR ANY BANKER TO SEE. TD has more than 1000 branches in the US, staffed by 8-14 employees on average. That means anywhere from 8000 to 14000 employees can simply pull up a customer 's profile and take down their SSN and driver 's license, DOB and whatever other information. TD is exposing customers to identity theft! Other banks have small keypads available for customers to INPUT their SSN in PRIVACY without the banker knowing or seeing the # 's or perhaps just the last 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Brock & Scott, PLLC
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.

Company response to consumer: Closed
Consumer complaint received 2016-09-28
Company: Todd, Bremer & Lawson, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Hewitt-Capital
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recently received a call from Hewitt Capital LLC regarding an amount of {$76.00} owed to XXXX XXXX XXXX for a payday loan. I paid this loan off about 3 months ago so it confused me as to why this company was calling me saying I was being charged for a Breach of Contract. They asked me if I wanted to it the voluntary way and I agreed. The person who called threatened me with the XXXX as I am an XXXX XXXX XXXX personnel. I researched Hewitt Capital LLC only to discover that it is a scamming company that bottom feeds from anything they can get their hands on. They are about to charge me {$76.00} that I DO NOT OWE on XXXX. I have attached a picture of the letter they sent me over email, threatening to add {$30.00} if I was unable to pay the amount I owed. The address on letter is from where I was previously stationed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: LA
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:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Avant Credit Corporation
State: AL
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:
On XX/XX/2020 Avant credit card deny me credit in maliciously way.fact adverse action prove there unfair acts and not equal. Under federal law adverse action is to be lower. They just violated me under the fair equal rights law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Jim Bottin Enterprises, Inc
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
COLLECTOR CALLED FAMILY MEMBERS AND OTHERS INN VIOLATION OF T.C.P.A. ( 3 DOCUMENTED CALLS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Comerica
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.

Company response to consumer: Closed with explanation