BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am being persecuted by GM Financial whom is attempting to collect an unlawful balance on a vehicle that was leased through them. 

They are reporting a balance of {$24000.00} - This entire problem began with a faulty brand new vehicle that had been problematic since day one. I leased this vehicle on XX/XX/XXXX - and the vehicle shortly began to exhibit sudden deceleration problems that was ultimately found to be related to a faulty transmission. Luckily the vehicle was brand new and was covered bumper to bumper. After many repair attempts the vehicle would work for short periods of time and then go back to the same issue, until finally it caused an accident On XX/XX/XXXX. This rendered the car inoperable and had to be towed, mind you, this was during the first Major LOCKDOWN that rendered me unable to go to the toward to retrieve the vehicle, as I had no car and ride share services were not operating at the time. Contacting GM financial resulted in them opening up a claim and since they were the lien holders they agreed to go retrieve the car from the two yard. 

This is were things get murky, as in the middle of covid lockdown I was informed that the car was sold, and I still don't understand who sold it or how things transpired. The car 's damage was not conducive to it being a total loss, GM Financial had stated they would go retrieve the car out of the tow yard, it was fully insured and still under manufacture warranty. 

I completely refute and dispute this past due balance that GM Financial is reporting as a past due balance. They completely mishandled this situation and have no right to a deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX XXXX on XX/XX/XXXX to pay off my credit card debt. Late fees had previously been accrued. I spoke to XXXX and reached a settlement payment of {$210.00}, which was my grand total to pay off the debt after late fees has been removed. I paid the {$210.00} with XXXX over the phone with my debit card. Months later, I started receiving calls, texts, and voicemails on a daily basis requesting that I pay my debt. My credit card was closed, so there was no possible way that I could accumulate any more debt. I answered a call from XXXX late XX/XX/XXXX to give them a friend reminder that the debt had been paid off in full last year, to which the representative acknowledged my payment of {$210.00}, said that I had a balance of around {$70.00} which had now reached $ XXXX due to late fees. Again, I said that XXXX and I reached a settlement payment of {$210.00} after late fees being removed. The representative requested that I be put on hold so that she can speak to a supervisor. 10-15 seconds later, she hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: Turner Acceptance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello XXXX, I received this response from the cfpb today : The attached letter was sent to the consumer. The account is now correctly reported. The company received notice that the case was dismissed on XX/XX/XXXX and was not able to update the credit bureaus immediately. As of XX/XX/XXXX they have been updated and the consumer 's account is accurately reported. 

THIS ACCOUNT HAS NOT BE UPDATED. I RECEIVED AN ALERT ON XX/XX/2018 SAYING IMPROVED ACCOUNT BALANCE XXXX PAYMENT STATUS REPOSSESSION. 
XX/XX/2018 I RECEIVED ANOTHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$4000.00} PAYMENT STATUS : COLLECTION CHARGEOFF XX/XX/2018 I RECIVED ANTOHER ALERT IMPROVED ACCOUNT ACCOUNT BLANCE XXXX PAYMENT STATUS : COLLECTION/CHARGEOFF XX/XX/2018 I RECEIVED ANTOHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$5800.00} PAYMENT STATUS REPOSSESSION. 
Please explain why this is continuing to happen. 


I DO NOT KNOW WHO IS REPORTING THIS INACCURATE INFORMATION BUT THIS HAS TO STOP AND BE UPDATED CORRECTLY. I HAVE ATTACHED ALL THE SUPPORTING DOCUMENTS TO THIS EMAIL. I should not have a chargeoff on this account being that we settled for XXXX and they would locate the other party for the additional amount owed. This was communicated clearly to Turner acceptance upon my agreement to pay as the cosigner. Payment status was to be PAID IN FULL. I have dealt with enough harassment from this company. If this is not updated accurately I will take legal action myself. All the information reporting on my credit report from this company has been inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
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: Account information incorrect

Complaint:
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. 

I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX {$73.00} CERTIFIED CREDIT REP Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion allowed XXXX XXXX XXXX to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to Transunion and XXXX XXXX XXXX stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from Transunion stating the reporting of this debt was verified as accurate. I also received several random bills from XXXX XXXX with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since Transunion has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to Transunion and to XXXX XXXX on XX/XX/2019.

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 2018-01-11
Company: FC HoldCo LLC
State: IL
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 recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot XXXX '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.

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 2021-02-17
Company: Telsa Motors Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Tesla XXXX XXXX is falsely reporting a loan on my credit report of over $ XXXX. I have never applied for or opened an account with Tesla. I entered into a monthly solar power buying agreement with XXXX XXXX, I did not obtain a loan or ever sign a loan agreement. 

This entry erroneously reflects a higher debt balance that lowers my ability to obtain more favorable credit rates. 

Other consumers have had this happen to them, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: OK
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:
XXXX and Equifax are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and XXXX and Equifax they have not taken care of the issue even after I submitted the notice I received back in 2016 on my student loan forbearance. From XXXX 2016 until XXXX  2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both XXXX and Equifax. Credit report still shows no update to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NC
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:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank entered deposited check incorrectly for more money than the actual check. I contacted the bank. They corrected the deposit but refuse to return the {$50.00} due the check writer This has been ongoing for XXXX months. The bank keeps sending me to different departments but refuses to send the {$50.00} to the check writer. They have his market account number and routing numbers This problem started on XXXX XXXX.My account was debited {$50.00} on XX/XX/XXXX. Claim number was XXXX. Wells Fargo needs to reimburse XXXX XXXX XXXX XXXX -S {$50.00}.

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 2018-01-19
Company: DISCOVER BANK
State: IL
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:
To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did. 

Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}. 

Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ). 

On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time. 


Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ). 

On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially. 

At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}. 

For dismissed charges you dont pay fines. 

For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website. 


You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 called XXXX to dispute the accuracy of a Nissan car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for XXXX  is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.

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 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Kohl 's charge card where an unauthorized transaction occurred for XXXX on XXXX/XXXX/2018. The individual purchased a XXXX thermostat and had it delivered to their address in another state ( Texas ). I  received an email confirmation showing what the purchase was and that it was shipped for delivery. When I saw where it was going I immediately called Kohl 's customer service. They advised me that it would be put in dispute and that the card used would be closed and a new one would be issued. A few days later I received more emails from Kohl 's advising account changes had occurred. I called Kohl 's and asked what was going on. They advised me since I am not the primary I could n't open a fraud case it would need to be my spouse who is the primary card holder. So the transaction was never placed in dispute and the fraud analyst asked what I had done to have the individual charged. When I first called I alerted Kohl 's that I have the persons name and address and that I want them charged. They are trying to put it on me when it was their lack of security that caused my account to be compromised. I do n't think I should have to do anything and that the transaction should be canceled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.

Company response to consumer: Closed with non-monetary relief