BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My XXXX XXXX XX/XX/XXXX. ACCOUNT # XXXX. 
GM Financial Granted us a 6 month extension on the XXXX. 
With that Extension, XXXX miles is added for every month. 
The 6 month extension expired XX/XX/XXXX. 
I was granted a month to month extension, with the same rules, an additional XXXX miles a month. 
Allegedly, they sent ( 6 ) correspondence letters to myself and my wife, with the last one mailed out XX/XX/XXXX. 
I continued making monthly payments. 
They continued cashing checks. 
I attempted to XXXX XXXX and XXXX / XXXX a XXXX XXXX. 
Their New Minimum XXXX XXXX of XXXX, didn't allow me to that option. 
My Score was knocked down by their late payment games and a prior game they played with me XXXX years ago. 
XX/XX/XXXX, they took my vehicle UNANNOUNCED. 
THEY WANT ME TO PAY {$2500.00}. 
I AM LIVING IN A FEDERALLY SUBSIDIZED SENIOR COMMITTE WITH S S OUR ONLY INCOME. WE CAN'T AFFORD THAT AND WE'D LIKE TO HAVE THEM PREVENT THIS ON EITHER OF OUR XXXX XXXX. 
CHANCES ARE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank charged many unnecessary fees, and accepted deposits to my account without my authorization causing account closure.

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 2020-03-24
Company: EQUIFAX, 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:
Dear CFPB Staff, Equifax has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]  concerning a fraudulent account being reported on my Equifax Credit Report titled " XXXX XXXX XXXX ''. 

Equifax has refused to perform actual investigations. Equifax has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And Equifax has hurt myself and my family financially because this. 

Equifax has continues to address this matter, and the Equifax phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation Equifax have demanded multiple times these past two years. Equifax refuses to address this as well. 

In CFPB Case # XXXX Equifax even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the  CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of Equifax has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation Equifax 's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted Equifax permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as Equifax 's employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on Equifax 's part as a reason not to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2022-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent Equifax a dispute on their website disputing my XXXX XXXX car lease which they added a late payment for XXXX and the car was never late on XXXX i also added pictures as proof that car was paid and never late and they didnt remove the late payment which they are in direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX  XXXX  charged my Citibank credit card, this credit card had a different number that I never shared with XXXX  XXXX. 

XXXX XXXX refuses to cancel the membership even tho theres not even a XXXX XXXX on our state and they never let me know they were gon na reinstate 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.

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 2022-04-09
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I hold a card.com account prepaid card. I made a dispute on a charge on my card on XX/XX/XXXX XXXX. They told me that my card was locked and under further review. My card has been locked for almost a month. I have called them numerous times asking them to turn on my card and they refuse to turn on my card I am a XXXX person and they are holding my money Ransom

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up in XX/XX/2021 to make three auto payments {$130.00} of a debt owed to an XXXX  doctor. Today, XX/XX/XXXX, I receive an elert from XXXX XXXX that a derogatory collections note has lowered my credit score. I see it is XXXX XXXX and call them immediately. Their representative tells me : yes you are on a payment plan for XXXX, XXXX, and XX/XX/XXXX with one payment remaining, but since your plan is over 45 days we report it. At no time was I ever informed about this or I would have used a quicker plan. I would like to report this company for poor writen notice about their credit reporting processes. Supposedly, this derogatory credit item is to be removed in seven days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Yes I have XXXX diffrent bankruptcys reporting on my credit report that does not belong to me, I have contacted the courts and they verified that its not me and they dont verify information such as those records to the credit bureau , which I have been a victim of identity theft and they get there records from XXXX XXXX XXXX XXXX which is inaccurate and I will like it to be removed from my credit reports

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX & XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it 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 non-monetary relief
Consumer complaint received 2020-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help. WELLS FARGO BANK is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Status : Closed/ Charge off /Date opened XX/XX/XXXX Bal {$150.00}. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2022-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: OR
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:
I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX trash company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.

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 2019-01-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In response to a bonus offer of { {$400.00} } for opening a new checking account and funding with { {$15000.00} } and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of { {$400.00} } was to be released to the checking account. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus. He said to give them 5 business days and it should be in the account. I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. The customer service agent mentioned my checking account was closed and therefore the bonus was not valid. How does this make any sense? You close the checking without sending me any notifications and then tell me the XXXX that was deposited in the savings was all for not. This is very dishonest. All terms were met for the bonus! Pay the bonus! XXXX XXXX is a very rude customer service agent! 

I called yet again for the XXXX time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute. So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus. I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them 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 monetary relief
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: NY
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:
My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.

Company response to consumer: Closed with explanation