BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I leased a vehicle XXXX XXXX and my salesman took my down payment telling me I would n't have my first payment until XXXX since I was buying at the end of the month. I had got nothing in the mail during that time until the beginning of XXXX which is when I made my first payment. ( XXXX/XXXX/2015 ) If you look at my payment history is consistent and never late ... so I thought. My sales guy even worked that into the negotiations of leasing the truck. I thought to myself well I can save that payment and double up on the next one. I monitor my credit closely and started seeing late payments on there so I called today to find out I have been late cause my first payment was XX/XX/XXXX. Being this was an oversight by their sales team and I 've been consistently paying I thought they 'd consider removing these but they were rude and did n't. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Rash Curtis & Associates has been fraudulently attempting to collect for a debt which I do not owe on XXXX accounts for a hospital that closed over more than a year ago. The collector has proof that I was covered fully covered by XXXX whom paid for all my XXXX expenses. The collector has refused to provide me with proof that I owe them or that XXXX did not pay. After receiving my certified letter which they signed as received on XXXX/2017 ( proof is attached ) advising them that they had 30 days to validate the debit or I would be contacting the XXXX as well as filing a law suit against them, they refused to respond. I 'm sending a letter to XXXX today requesting for these fraudulent accounts ( XXXX, XXXX & XXXX ) to be removed within 30 days as they also will be unable to validate this debit. I have attached my supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-10-07
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: Personal information incorrect

Complaint:
I have sent multiple requests for Experian to remove the fraudulent addresses due to identity theft and they continue to deny my dispute AND CONTINUE TO VIOLATE THE LAW ILLEGALLY. I will be filing complaining with the CFPB until they remove addresses THAT WERE MADE DUE TO IDENTITY THEFT AND ARE tied to accounts that are not MINE due to identity theft. The addresses are below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ONLY XXXX ADDRESS SHOULD XXXX XXXX XXXX MY EXPERIAN CREDIT REPORT, AND THAT IS XXXX XXXX XXXX XXXX XXXX, TX 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 2017-06-09
Company: Foreman Financial Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called the finance company to get the pay out on my account. Because I saw that something di not look right. They told me what the pay out was and they also told me about late fees and insurance waiver fees. I then contested some of the fees. I wrote a check for that month 's payment and a check for the remaining principle. I wrote on the check. " this check is to be applied to principle only ''. My thoughts were to pay off the principle and do my research on the other charges. When I saw that they had cashed my check I went ahead and called to confirm my request. They told me that it did not happen they way I had requested and that they would try to take care of it. I just got a call from the finance company that I needed to pay for the remaining principle amount along with interest on that amount. I think they should have at least given me the courtesy to call me and say hey we cant do this the way you want. As far as I know a check is a written agreement and if they sign and cashed it then they have to honor the agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 2019-02-17
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 {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the 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 2020-08-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX   XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX  XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. 

We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. 

The reference number for the dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: MD
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:
Last month, they denied my application for the Chase Freedom Unlimited and said they would mail documents explaining why 7 business days later ; they never did. They also claimed on their response to the XXXX  complaint I filed on XX/XX/22 that they addressed these issues via a phone call -- they never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: OH
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 currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.

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 2022-10-07
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX XXXX for a week between XX/XX/2022 and returned on XX/XX/2022 on XX/XX/2022 my WSFS Debit card was frozen because I was spending our of my local area. I was unable to view the account online. I called and verified the current charges on the account and the account was made available. I returned home and went to use my WSFS Bank card on my phone and discovered it was compromised I was not aware that I had lost my card. Unauthorized Charges in the amount of {$9600.00} were billed to my Debit Card on the XXXX, XXXX, and XXXX I was not aware my card was missing because I often use my phone to tap transactions and in that instance my PIN number is also used. I received a letter from WSFS Bank on XX/XX/2022 stating that the disputed transactions were not going to be reviewed and that I was responsible. I spoke to the Customer Service area and was provided transactional info and merchant phone numbers. 

XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX separate transactions {$2300.00}, {$500.00}, {$400.00}, I called the merchant and was advised that he spoke with the security department of WSFS Bank ( XXXX XXXX and advised that there was Video Footage and receipt detail and he informed her on how to get the detailed information. XXXX XXXX XXXX XXXX called me back on XX/XX/2022 and informed me that no one from WSFS has reached out to the Loss Prevention area of XXXX XXXX to request the information. 

There were also two XXXX charges also on the same post date XX/XX/2022 {$1000.00} and XXXX, I spoke with the general manager XXXX, he informed me that he had spoke to someone by the name of XXXX at WSFS Bank and provided him the information that an ID was present and and a receipt was available. However this transaction was processed after I was already in Delaware. But no one at WSFS is trying to help in this instance I did speak with XXXX 's XXXX, XXXX XXXX and she is of no assistance either I have also sent information to XXXX XXXX of WSFS Bank in the last four days and I have received not response. XXXX XXXX informed me that she would not open the dispute and advised me if I wanted the merchant receipts that I should go into a WSFS Branch and request them. there are many more transactions processed on the same date they include over 50 transactions and a total of {$9600.00}. I have also filed an online police report with XXXX XXXX, Nevada and I have listed all charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?

Company response to consumer: Closed with non-monetary relief