BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX  XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.

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 2020-08-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I received an email from American Express offering a promotion. 

The promotion was that I could create a Plan whereby I could, for no fees or interest pay off charges of over {$100.00} over a nine-month period ( see attachment ). 

The " Plan '' could be set up online. This would apply to my American Express card XXXX XXXX XXXX. I had until XX/XX/2020 to do this. In fact I could set up 10 plans over this period of time if I so desired. 

On XX/XX/XXXX I set up a " Plan '' with two chargers for {$3100.00}. 

On XX/XX/XXXX, in order to take advantage of the XXXX benefit I purchased an air conditioner system for my home for a total price of {$5200.00} from XXXX XXXX XXXX XXXX. The next day I went online to enter this into a new Plan ''. I was unable to this because the purchase was classified as pending. I called customer service and after an hour on the phone I was told the only thing I could do was to call XXXX and ask them to release the charge. I did this and no one at XXXX knew what I was talking about. They told me that they submitted the charge and they were already paid for it from American Express ( see attachment ). 

Out of desperation I called the CEO of Amex hoping to be able to speak to someone in his office. The operator told me that the CEO doesnt speak to people and there was no one else who would talk to me. I was instructed to send an email which I did and which went unanswered. 

Later in the day I once again called customer service and after an hour speaking with several people I was once again told that I was out of luck. The system was completely automated and no one could override it. 

I now have to finance {$5200.00}. My choices are paying by installments at an APR of 15.24 % or creating a new Plan for a cost of {$420.00}. 

Amex lured me into this scam with an email. They are guilty of FRAUD. 

I believe that I should be able to create a new free Plan or receive a {$420.00} credit. 

American Express should be made to cease and desist this illegal scheme. 

I am asking for your help to rectify this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 initiated a query with Transunion from the XXXX XXXX and to date its still not resolved. Whenever I call to ask for feedback, then response is " We have escalated, please call tomorrow '' ... .. The Teamleader as well is very rude and doesn't listen or take matters serious.

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 2019-03-11
Company: BMW Financial Services NA, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by a BMW sales person when I attempted to buy a car at the dealership that BMW Financial Services states I have defaulted on a previous loan, when in fact I was a noted victim of identity theft in XXXX- XXXX. I have ONE VALID loan with Bmw in the past and that loan was paid in full and in good standing. when I first noticed the fraudulent second loan in my name I notified BMW and nothing was done. Now that I am ready to purchase another vehicle from BMW I am being denied a loan for a previous defaulted loan that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: GA
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:
I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but they continue to violate the FCRA by reporting erroneous information in my credit reports. The erroneous information comes from 3 collection agencies that I do not owe : XXXX XXXX for {$960.00} and a XXXX XXXX XXXX for {$75.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an apple credit card and was declined after my application was accepted. I received an email on XX/XX/21 stating that my application was reviewed and that I was denied for having too many inquiries and high limits on current cards even though Im paying my bills on time. This is discrimination again me a federally protected consumer who has the right to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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:
This is a follow up to complaint # XXXX First Citizens Bank has not refunded the 2 days of interest nor have they paid me the over payment on the account. They did close the account but that's all they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: General Motors Financial Company, Inc.
State: VA
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:
In XXXX my car that was financed through GM Financial was repossessed while I was XXXX. Due to me being out of the country there were several personal items and a cashiers check ( rent payment ) left in the car for a friend to retrieve. I NEVER received any of these items ( illegal in VA ). I also NEVER received any documentation regarding the sale of the vehicle ( illegal in VA ) or the amount owed. After returning from XXXX I tried reporting the car stolen but was notified by local police that the car was taken by GM Financial. 

I have tried disputing this account on several occasions for several different reason because the company is reporting different information to all of the credit bureaus. My XXXX  was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. My XXXX  was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. I am attaching screenshots that GM Financial is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop 15 points and has put my mortgage approval in jeopardy. I have already filed a complaint on XXXX   because the information clearly was not properly verified. 

I am requesting that GM Financial expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX I purchased a XXXX XXXX XXXX tractor from XXXX XXXX XXXX XXXX XXXX XXXX Ga. It was financed by Wells Fargo Financials leasing, XXXX, IA. At the time of purchase, I was provided with a copy of the Installment Sale Contract and Security agreement. I signed a copy and was told by the dealer that I would receive a copy signed by Wells Fargo Financial after the loan was processed. 

XXXX XXXX - XXXX of XXXX, I made payments with an additional XXXX towards principal and 2 payments of {$1500.00} when I sold my old tractor. In XXXX of XXXX, I did not receive a monthly statement. Nor did they come in XXXX or XXXX. I tried calling Wells Fargo, left messages, and finally wrote a letter requesting signed copies of the contract and to be invoiced along with an audit of the account for payments made. I tried to contact them, found that I was locked out of the online website, and wrote them again. Wells Fargo failed to contact me nor respond. 

XX/XX/XXXX - I received an invoice for a partial required payment. I made the payment and requested again a signed copy of the contract, statement of terms, and payment audit. Again no response. Now each month I send the same request, with the standard monthly payment - No response from Wells Fargo Leasing to date.

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 2019-11-14
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
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 husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Bliksum, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit file. Notice a company showed up. Called then to inquire. Never opened a account with them. Rep named XXXX was very rude and insisted it was mines. Never signed any documents or received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SYNCHRONY FINANCIAL
State: NY
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 see a couple of hard inquiries I never authorized and theyre really effecting my credit. Ive been trying to put my credit on freeze and have a fraud hold on it.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Inquiries on my transunion credit report came off earlier this year and were put back on

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 2020-08-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am looking for a loan for a new construction for my first time home buyer, I chose Huntington Bank ( XXXX XXXX ) as one of the preferred lender of XXXX XXXX ( XXXX XXXX ) information sent to me via email on XX/XX/20. The process started on XX/XX/20 with a lot found. At this time the pre approval number was XXXX was originated by lender ( XXXX XXXX at Huntington Bank ) amount {$200000.00}. Loan number XXXX. Unfortunately my house did not fit on this land and asked to lender increase the value of land from XXXX to XXXX. The answered was affirmative XX/XX/20. I received the new pre approval on XX/XX/20 and sent to bank the lot purchased XX/XX/20. We started over and found the right one XX/XX/20 put in contract and move forward with loan process with an expiration date XX/XX/20, after builder approval. Meantime in between these lots personal documents and communication were sent to the several people including in this process like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX as a lead team and loan officer with a new loan number XXXX. All of them asking for the same information over and over again information that I submitted before. When first closing date, XXXX XXXX exposed that he was not ready to do the closing and I need to extended the purchased for lot, I did second extension on the land purchased final deadline it would be XX/XX/20 which mean next week. He had to created another number for my loan which is XXXX It took over 90 days to tell me that I did not qualify for the loan based on something that should have been discloses on day 03 of the application process. The bank lack of interested in my case and lack of empathy for my case was appalling. Huntington discriminated XXXX and minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNT RECIVABLES PERFORMANCE ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH XXXX IT NOW APPEARS THROUGH THIS NEW COMPANY RECIEVABLES PERFORMANCE AND IS IDENTITY THEFT.

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 2018-03-05
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called American Honda finance back on XX/XX/2017 to ask for a special payment plan because I was in between jobs and I needed help. They stated that I did qualify since I had such a great payment history for the last 2 in a half years. They asked me if I wanted to initiate this payment plan and I said yes. Then they said they would temporarily remove me off of easy pay and to call back in XXXX to add me back on easy pay if I wanted. I then call back in XXXX to make sure everything was well and going okay and they mentioned XXXX behind 2 months! I asked why and they said i never called back to initiate the payment plan! My credit score enemy down XXXX points!! They dropped the ball because they asked me to call back if I wanted to get back on easy pay plan. I never said not to initiate the special payment plan!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made an on-time mortgage payment to Wells Fargo Home Mortgage, via online bill-pay, on XXXX. Wells Fargo extracted an additional payment from my account just XXXX  days later ( on XXXX ). I am the sole provider in my family ( wife stays at home with our children ) and need this money for other bills. Contacted Wells Fargo ... and informed them of this mistake. I requested an immediate refund OR a grace for the XX/XX/2019 payment. The first person could not help me ... and transferred me to a supervisor. She could not help me either, and referred me to the executive offices. I am now waiting for them to contact me ... meanwhile, I am out this money.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 I submitted a dispute to Transunion advising I had " no contract with company '' and requested they provide a original signed contract with my name and signature. I received a email stating accounts were " verified and updated '' when I spoke to XXXX at Transunion on XX/XX/2020 she advised they did not have a original signed contract on file to prove the debit belonged to me.Representative also, advised they do not have a bill of anything on file to prove debit belongs to. I advised that I requested in my dispute for them to provide this information for debt in question. I aslo reached out to both agency requested a bill or contract to prove debt belongs to me with no reply.

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 2019-03-11
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX GC Services, a collection Agent for XXXX, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a Federal Student Loan that was paid off but had been manipulated to create the current debt and was assigned to GC Services for collection.

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that XXXX has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires XXXX to offset my tax only with a court order and XXXX does not have the court order. GC Services, XXXX 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith.

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but GC Services never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed GC Services received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me.

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by GC Services, the certified agent.

Company response to consumer: Closed with explanation