BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: General Motors Financial Company, Inc.
State: SC
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:
On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
For many years XXXX years now someone has been impersonating my self and life. My phone number, bank accounts, social, birthday, addresses, and voice records have been compromised. I have faught with westlake financial for years showing proof of files police records and notarized letters and proof of identity theft documents proving it wasnt me that opened this account. And they keep denying it. Its holding me up from purchasing properties, and even getting a car loan I need this handled and removed immediately pls help

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 2020-03-02
Company: PNC Bank N.A.
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:
Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. 

Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. 

I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. 

PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
see attached Identity Theft 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 2023-10-11
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

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 explanation
Consumer complaint received 2023-03-27
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is located on my XXXX credit report This information should be removed. 

Account Name : ALLIED COLLECTION SERV Phone number : ( XXXX ) XXXX Account Number : 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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a notification that {$520.00} was taken out from a Chase ATM and XXXX was spent at XXXX XXXX I had called Chase immediately when I got the notification for the withdrawal. I also told them the XXXX XXXX charged was also not me since I was sitting at home before work. They had asked me if I gave my pin to anyone or my card and I had told them no I didn't. They said they would look into it and they gave me the money back for both charges while they were " investigating ''. Someone from chase had reached out to me and said along the lines of well you probably gave your information to someone and since it's in the same vicinity of where you live at we will take the money back.The person I had talked to was very dismissive and it felt like they were telling me I was lying and trying to scam them. I kept getting the same answer with no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft I asked the credit card company to validate the debt they refused to comply with my requests I received a letter overnight with information that is not related to me. The date of birth used to apply for the account is not mine I have already disputed this with the bureaus and verified my identity they corrected the information but refuse to remove the account From my 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 2023-06-04
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
I have a vehicle loan financed with Ally Financial. In the month of XXXX, my payment was due on XX/XX/2023. I completed the payment in the amount of {$400.00} on XX/XX/2023. Although the payment was completed after the XXXX of the month, due to XXXX having only 28 days, at the time of the payment on XX/XX/XXXX, the account would have been 29 days past due. Ally reported to the credit bureau that my account was 30 days delinquent and refuses to remove the reporting. I have spoke to countless members of their leadership team and have submitted several disputes, including one in writing. Each time I speak to a representative, they advise that my account was only XXXX XXXX  but since it was after the due date, the system reported it as XXXX XXXX. While I understand how that may be, this is unfair, unjust, and a violation of the FCRA.

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 2021-10-14
Company: MS SERVICES LLC
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went under the covid-19 forbearance assistance program Made faithful half payments while under. Now need to down size into a smaller home. So getting out from under back to making regular mortgage payments. But was never told the EXTREME negative if go under this program. When started to down size I found this EXTREME negative. For can not get approved for a smaller down size home. 
Everything approved GREEN LIGHT RED LIGHT is this covid-19 forbearance assistance program and since going out from under and did not abuse program Should not be stopping from down sizing into a smaller home

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 2023-04-27
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've asked LexisNexis to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LexisNexis are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXXXXXX I received a letter from Aidvantage via email that my student loan was forgiven based on an IBR plan forgiveness plan ( letter is attached ). The forgiveness was backdated to XXXX and I was told I would be receiving a check for any amount paid since XX/XX/XXXX in the amount of {$7400.00}. I was told a payment had been processed as of XX/XX/XXXX, and that I would be receiving an overpayment refund check in the mail " within days. '' It is now XX/XX/XXXX and I have yet to receive the funds via check and have since called and gotten no updated information other than the check is in the mail, and there has not been any information offered about how to track or check the status. There have been inconsistent messages given from the few reps I have talked to about the status of my refund. The last rep I spoke to said the check would be coming from the US government ( " within days '' ). I also contacted Federal Student Aid and they were even less helpful, stating that the refund check would come through Aidvantage. I am frustrated that I can not find a correct answer to the question " when will I receive my check '' or a status update from either of these organizations. The attached spreadsheet notes that payments to me have been " reversed '' however I have not received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Date report XX/XX/XXXX and date opened XX/XX/XXXX which is also inaccurate

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 2021-10-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
During XX/XX/2022 I advised my mortgage company that I was unable to make payments since I was terminated  from my employer and was advised I could have deferred payments for up to 12 months and was good to go. By XXXX Freedom Mortgage company purchased my mortgage from the previous provider and began to send me foreclosure statements. By XXXX the company had sent over a specialist to do an in-home foreclosure notice and the individual left my front door taped with a sign to deliver information to me. I was charged a foreclosure fee and inspection fee for this. I was then sent a foreclosure process letter. I reached out to the new mortgage company and was advised that they would be able to place me on hold only for them to remove the hold and charge another foreclosure fee once the Sc mortgage assistance program reached out to provide support in this matter. I have attempted to reach out to them several times and have been given the runaround. I believe that they are stealing government assistance and placing it on their books as expenses. As of today I have reached out to Freedom Mortgage and requested that the fees be returned and the payments are applied to my mortgage. I also have requested to speak with the CEO and have not gotten a response and it has been over 30 days. I reaching out in response to the RESPA act to inform you of possible fraud by said Mortgage company and to have assistance in having these fees overturned and placed on my mortgage.

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 2022-07-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I made an online payment towards my CitiCard XXXX XXXX in the amount of {$120.00}. 

I called Customer Service on XX/XX/2022 to cancel said payment as it was made in error. The agent handling the interaction said that the payment was refunded and should appear in my account in XXXX business days. 

Refund appeared in the amount of {$150.00}. Due to refund I made an additional payment of {$120.00} on XX/XX/XXXX as planned. 

I chatted Citi customer service because my minimum paymennt increased to {$160.00} for the 2 billing cycles immediately following refunded payment. Agent explained that the change in mimimum payment was due to the length of the billing cycle and would auto-correct. 

On XX/XX/XXXX, I called Citi because my minimum payment never returned to the {$120.00} that was agreed to and discovered that the payment cancellation I requested was processed as a charge to the card balance and debited to my account. This was done without my knowledge, understanding, or an explanation of the ramifications of such a decision. The call was escalated and a Supervisor agreed to provide a {$100.00} credit which would result in my payment returning to {$120.00}. 

On XX/XX/XXXX my statement was made available and my minimum payment increased to {$160.00}, from the initial {$120.00} and erroneous {$160.00}. I called and spoke to a Supervisor who said she could not fix my minimum payment even though i was told it would be fixed by the last Supervisor. In addition, she stated that there was no one else who could assist me in any way and furthermore, that I must pay the {$160.00} even though I was told something to the contrary.

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