BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.

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 2019-08-28
Company: Experian Information Solutions Inc.
State: TX
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 do not have the date, but when I recently called the phone number in the letter from XXXX XXXX XXXX, the representative could not tell me why my credit was run without my permission as evidenced in my Experian credit report. After writing Experian, the item has been removed but I want to file a complaint for this should not have happened.

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 2019-01-25
Company: GFS II, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BESTBUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BESTBUY/CBNA were no successful resolution. XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a bankruptcy on my credit report that does not belong to me I have disputed this before and its coming back as verified which can not be cause its not me, I have contacted the bankruptcy court and they gave nothing on file under my ssn .. This is the only credit report this bankruptcy is reporting on .. The bankruptcy must be linked with someone with the same name as me ... The bankruptcy court requested that I be provided with validation of my information saying this is my bankruptcy my name full and my full social security # and address that this bankruptcy is associated with proving this belongs to me because its inaccurate and there is no way it can be verified.. or I will like for this to be deleted from my credit report ... And I have a web bank account that is reporting in accurately that i request validation on and my signature or needs to be deleted ... I have a XXXX XXXX XXXX  account that I have paid off that was fruad that is on my credit report reporting in accurately that needs to be deleted and inquiries that I did not authorize that I will like deleted, I have provided Documentation For everything

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   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 2018-04-10
Company: EQUIFAX, 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/2017 someone used my identity to open a XXXX account. I immediately contacted XXXX and filed a fraud report. XXXX closed the account but the hard inquiry is still on my Equifax report even after XXXX reported it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise credit services call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to XXXX  XXXX XXXX ( originator of supposed debt ). I provided XXXX XXXX XXXX with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from Sunrise listened. I have never held an account with XXXX  XXXX XXXX. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing me.

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 2018-10-10
Company: Experian Information Solutions Inc.
State: HI
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:
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX 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 2020-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and was unemployed in late 2019 and Wells Fargo put me in the forebearance plan. Once I found employment I was told by Wells Fargo that I have to pay the entire late balance of the loan to avoid foreclosure. 

I can pay the monthly mortgage with no issue but can not pay the late balance to bring the mortgage current.

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 2020-08-03
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX  XXXX ( Credit Card )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or Experian has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and Experian claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

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 2018-03-02
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.

Consequently I was forced to leave Florida to seek employment.

Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I  was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I visited XXXX XXXX GMC dealership for the purpose of trading in my XXXX XXXX XXXX. My salesperson, informed me that my payoff for the vehicle was {$24000.00} which was incorrect. After reviewing my GM Financial Contract and talking with multiple employees at GM Financial, I discovered that GM Financial is fraudulently " overcharging ''. My first payment of {$570.00} of 75 payments- started on XX/XX/XXXX. An unknown customer service representative from GM Financial informed me that I have paid over {$18000.00}, so far. 
The total price of the vehicle, according to the contract, is {$43000.00}. The Finance Charge for the vehicle ( for 75 months NOT 30 months ) is {$11000.00}. GM Financial is failing to reduce the FINANCE CHARGES for early termination of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!

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 2020-05-08
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: WELLS FARGO & COMPANY
State: NV
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 a loan with WF CRD SVC, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and WF CRD SVC, XXXX XXXX  XXXX, and XXXX XXXX XXXX   XXXX with no successful resolution. There was definitely an error on their part.

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 2017-12-09
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.

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 2017-12-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.

Company response to consumer: Closed with non-monetary relief