BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On yesterday XX/XX/XXXX I received a notification from the credit bureaus for a collections of {$1500.00} from a company XXXX. Ive never applied or had an account with this company. I immediately called and informed Midwest Recovery Systems. They informed me that this loan was taken out in XXXX and theyre now just placing in collections in XXXX! Midwest Recovery Systems has never contacted me by mail or telephone. I do have a threatening letter in my SPAM email from such company in XXXX stating I will be going to jail and being sued. Ive never been sued by XXXX. They also said they would be contacting the FBI and my job. This is not my account and furthermore its over the statue of limitations. Threatening and or intimidation is also against the law ESPECIALLY on an account that never belonged to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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:
a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance

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 2021-06-12
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got a secured credit card from first progress I tried to make a payment Over the telephone and they would not take my bank card they wanted my routing number And account number and I did not want to give them my bank formation So they would not take my payment and they turned it on my credit report I asked them to take it off of my report because I paid the card off and close the account and they still wont take it off I dont understand what difference it made whether I pay them with my bank card I dont understand why I had to give them my account number and routing number I want that off my credit report please and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have an account open fraudulent Creditor - XXXX XXXX XXXX Open - XX/XX/2021 2021

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 2017-08-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to refinance under the HARP program and we are having a difficult time getting financed because Wells Fargo is not reporting our payment history to the credit reporting agencies after or during our Chapter XXXX BK. We have tried to contact Wells Fargo many times starting on XX/XX/XXXX spoke to XXXX XXXX in the BK department and opened a work order to have XXXX XXXX reach out to all three bureaus and report our credit history after our Ch. XXXX discharge and send a letter to us that they reached out to all three bureaus and are reporting accurately. We called back on XX/XX/XXXX and spoke to XXXX at Wells Fargo to check status and did not get an update but assured us that he opened another work order to start having the mtg history report our credit history and will send a letter to us to confirm they are reporting to all three bureaus. XX/XX/XXXX, spoke to XXXX and was told it is still under investigation. On XX/XX/XXXX, spoke to XXXX XXXX in corporate office and he will open another order to make sure mortgage history is reporting accuratlely and will continue to do so to all three bureaus along with sending us a letter that they are reporting to all three bureaus. We followed up several times after and was told that it is still being investigated with XXXX XXXX at Wells as she needs more time. Today, we received a letter from Wells Fargo stating that They report the status of our account to consumer reporting agencies as it was on the date we file Chapter XXXX BK. We continued to report that same status until the Chapter XXXX BK was discharged ... Our discharge date was on XX/XX/XXXX and Wells has stopped reporting since XX/XX/XXXX. We asked when will they start reporting again to all three bureaus that we are on time after the BK. XXXX XXXX 's answer was if we want to open another work order. Please advise as we do not know what to do at this point since the same concern has been addressed with Wells Fargo many times and no response as to or when they will start reporting to all three bureaus.

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 2017-10-02
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have an American Express Serve card that I acquired in 2017. I have paid the monthly fee for 5 years and after a traumatic car accident I need to use the card. I deposited a check for {$190.00}. I paid a {$5.00} processing fee to have the funds available in minutes. After an hour the funds were available according to the account status. The card would not work, I am not able to make a purchase or withdrawl cash. I'm unable to send the funds to a XXXX for pickup. Now they have added a fraud alert and won't release my funds. I have called dozens of times, most times they disconnect the line while on hold. I am XXXX and XXXX  now as am not the only person who I have found has this problem with their Serve card with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX  days for XXXX  XXXX XXXX XXXX months consistently. I have complained that about these collection companies with any help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized  payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was  approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal does not let me accept the {$85.00} I received from a friend on XX/XX/2021. When I click 'keep it in PayPal ' i and 'agree and continue ' it takes to me to page saying 'Sorry about that Looks like something went wrong on our end '. It just sends me back to the home page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BMW Financial Services NA, LLC
State: VA
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:
At the end of my lease for my XXXX BMW XXXX ( XX/XX/XXXX ), I was told that I owe approximately {$3400.00} for wear and tear, tires and excess milage by BMW of XXXX. As I turned in my XXXX BMW XXXX, simultaneously ( same day ) I leased a new BMW XXXX. 

As part of the closing for my lease on the XXXX, I wrote a check in the amount of {$1000.00} t to offset against the {$3400.00} and gave to the dealership. 

Late XXXX of XXXX, I received a call from BMW Financial requesting that I pay the {$3400.00}. I explained to the agent that I had provided a check in the amount of {$1000.00}. He said that he would reach out to the dealership and get back to me. Fast forward to end of XXXX, I started receiving call from a collection agency. They told me that I owed BMW but they would settle with me for {$2000.00}. I again explained that, I have written a check to BMW for {$1000.00} and need to know what happened to that check. The agent said that she would need to check with BMW and get back to me. 

Fast forward to today, I received a credit monitoring alert from XXXX XXXX that I have a charge off from BMW in the amount of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a problem with Wells Fargo. Upon trying to transfer funds in excess of {$5000.00} to another bank via their bank-bank transfer ( ACH transfer ), I discovered that they do not permit more than {$5000.00} in XXXX day nor more than {$6000.00} in 30 days. I have looked thoroughly through all their customer account agreements and have found no such restriction. It is my money and if I wrote a paper check against the account they would have no choice but to honor it. So why the ACH limit? Can they do that? 

This is just XXXX more example of why the arbitration clause should not be permitted in consumer agreements. 

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 2017-10-02
Company: Global Lending Services LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Basically I did n't qualify for the loan, I did n't have no credit history, I had a injury to my XXXX with 7 to 10 XXXX, I was under XXXX XXXX not to make any decisions or sign any documentation. I was young anxious to get vehicle and I already had a vehicle. I was able able to trade it in. Yet with no job or employment they used used old paycheck stub of my prior job was told to tell loan officer that I paid a down payment on the car date of the purchase but I didnt ... The whole loan was fraud I realize I got myself in over my head now my mom is struggling to help me pay for something she has nothing to do with it The amount of the full loan is XXXX with payments of XXXX a month for 72 months Date of purchase XX/XX/2016 XXXX XXXX XXXX XXXX is the lot I purchased and Global Lending is whow financed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was set up on autopay and when the card expired I called to make a payment and they still tried to take the payment that was set up on autopay. But at that point the card had already been expired so it didnt go through and they didnt apply the payment I made for several months, in result they charged me 2 late payments that I really made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
This complaint is about XXXX credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX. They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.

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 2020-04-24
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I reviewed the amount of the loan on the contract which was approximately {$13000.00}. I purchased the XXXX XXXX XXXX in XX/XX/XXXX from CarMax. I was alerted to look at this because on my credit report which suggested that I had only started making payments in XXXX or the amount of payments made to the vehicle was not accurate as to the date in which I actually opened up the loan. As I continued to look at the loan which was at about a 13 % interest rate, I realized as of to date I made approximately {$19000.00} in payments to the loan. I had 2 deferred payments throughout the entire loan and I wanted to know why am I still making any payments to a loan that was already at 100 % principle paid plus over {$6000.00} in interest at this point. I am trying to understand why Carmax wants me to pay almost {$10000.00} for borrowing {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I spoke to an agent at Castle Credit and told them I had a late payment because my system wasnt working and as soon as it was serviced I would make a payment. They called me again on XX/XX/XXXX but I missed it due to work obligations. They called again on XX/XX/XXXX demanding payment. I spoke to XXXX XXXX. I told her I had already talked to someone and that I would be making a payment when my system was serviced. She asked for my credentials so she could have a conversation with me so I said I dont have anything else to add. I will be making a payment when my system is serviced. Before I was able to complete my statement Ms. XXXX, speaking over me, said thank-you-have-a-good-day as quickly as she could and hung up on me. I called back and when Ms. XXXX answered I asked if I could speak to a supervisor and she transferred me to an answering machine. This is horrible customer service. Ms. XXXX should not have hung on me while I was talking and I should have been allowed to talk to a supervisor to make arrangements for my next payment. I will be taking my loan somewhere else!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: CA
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:
Contacted Citi regarding current balance of {$1.00} on XX/XX/XXXX..The balance of the account was paid in full on XX/XX/XXXX. I have been a customer for 12 years. I am told this amount was per the terms of the agreement taken out when card was opened. There are no charges on the account at this time. The current charge of {$1.00} is due on 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 monetary relief
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was the victim of fraud in XXXX using two of my Chase cards. One I contacted Chase about assisting me in my fraud claims, they just closed all my accounts with them. I have been a loyal customer with them for over a decade and NEVER paid a bill late and NEVER had any problems with them. <P/>There is absolutely no reason to just close my account.

Company response to consumer: Closed with explanation