BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The company involved ( XXXX XXXX XXXX XXXX, CT ) pressured me into buying a used XXXX XXXX at XXXX miles. They explained that the car was like brand new and had no issues. Unfortunately, the car did not even last 3 1/2 months. I have always taken good care of used cars, but this case was different. They took no responsibility and were rude to me whenever I tried to bring the car for a checkup. They even tried to tell me to get out and to have " a nice day. '' I brought the car to them about 6-7 times in a 9-month time-frame. They never helped me at all even though I offered to pay. The final time I brought it, I brought in my XXXX XXXX XXXX XXXX to fix a broken XXXX and a XXXX XXXX leak. The day after they " fixed '' it, it completely failed and stopped working. They were rude to me and told me it was my fault and kicked me out. I was left with w broken car with {$7100.00} still due to the bank. They refused to help me and sent me away. I spoke to fellow customers who told me similar stories. As soon as you buy the car, they force you to do a survey for a free oil change where they make you sign a 5/5 star review on XXXX. This review should be more like a 1/5. Bad Customer service and very bad 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 2020-10-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been scammed and my identity being stolen, personal financial loss, and multiple fraudulent accounts created by scammers. My credit card being overcharged by scammers.

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 2018-02-27
Company: Weinberg Mediation Group LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a Robo Call from XXXX, an Illinois number, but the message stated it was Weinberg Mediation Group ( according to their website, based in New York ).

Message states, " This is a final courtesy call from the Weinberg Mediation Group. Before reporting that you've been uncooperative in the investigation against you ... '' ( pause ) " If we do not hear from either yourself or your legal representation today, we will be left with no recourse other than to report your noncompliance with this issue to the proper jurisdiction. Our office number is XXXX. '' ( repeats number ) The number in the message also does not match what is on the Weinberg website so I did not call it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Consumer Portfolio Services, Inc.
State: FL
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:
On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but CPS pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company CPS did a hard inquiry with no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: M2 Law Group PC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ) and/or XX/XX/XXXX ( Experian and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( Experian XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : 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 2020-10-25
Company: TRANSWORLD SYSTEMS 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 requesting the deletion of Transworld Systems, who is reporting for XXXX XXXX XXXX, from my XXXX Credit Report in the amount of {$4700.00}. I have disputed this account several times to no avail. They continue to report it as accurate even though I have sent proof of my identity, which included a copy of my social security card so they could compare the numbers and they still say it's accurate and it is NOT. Reporting inaccurate information to someone's credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXXXXXX {$34000.00} XXXX XXXX XXXXXXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$830.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( TU ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : 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 2020-10-25
Company: Experian Information Solutions Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX am a victim of identity theft and need the following removed off my credit. 

XXXX XXXX XXXX XXXX XX/XX/2020 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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 already disputed this account with Trans Union and I have filled out all the paperwork that someone has been using my ID for accounts XXXX XXXX XXXX # XXXX, Trans Union has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The FCRA is pretty clear on Civil liability and outcomes available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Home Loan Center, Inc.
State: FL
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:
On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but XXXX pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company XXXX did a hard inquiry with no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: AR
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 been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with Equifax credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, all with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX all with XXXX Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
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:
During the peak of COVID-19, I was furloughed from my company. As a result, I was 4-5 days late on two payments during the time that my unemployment benefits were kicking in. I never MISSED a payment and the payments were not MORE than 30-days late -- the criteria for reporting a late payment to the credit bureaus. My credit score was on the mend when suddenly, they decreased my max limit, reported that decrease to the bureau, and it caused my credit score to plummet. This was completely unilaterally without a single communication - no phone call, no letter ... nothing. No chance for me to respond, explain or discuss with a human being.

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 2018-07-16
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by RESURGENT CAPITAL SERVICE, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX made a late payment report to all credit bureaus in XX/XX/2019 

XX/XX/2019 : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXXXX/XX/2019 with the promise of payment date forXX/XX/2019. 

XX/XX/2019 : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XX/XX/2019 : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XX/XX/2019: payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.

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 2020-10-25
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account multiple times with Equifax, the last dispute was over 30 days and with that being said I have the legal right to ask that this account be deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This isnt my account and transunion is allowing this company to raise an increase of {$250.00} weekly. I dont own this account and its being reporting weekly on my account as late by {$1000.00} a month.

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 2020-11-19
Company: LoanFlight Lending, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the refinance process with Loan Flight Lending in XX/XX/2020. They provided me with an initial disclosure estimate that showed the cost of my points I was purchasing to be .50 % or {$1600.00}. We got close to closing ( they provided me the final closing disclosures ) and they asked me what I wanted to do with my existing HELOC loan and I told them I wanted to get that loan subordinated just as I told them when I originally applied for the loan back in XXXX. They were about to begin working on the subordination process when they sent me a revised final closing disclosure that showed an updated cost of .875 % or {$2800.00} for the points I was purchasing. I inquired as to what the increase was related as it was my understanding that cost in this section of the closing disclosure can not change unless there is sufficient support for the change. My complaint is that there is not sufficient support for this claim as I told them at the time the application that I was going to subordinate my HELOC loan and there was a {$250.00} subordination fee listed on every closing disclosure ( initial and final ) that was provided to me which is evidence they knew I was going to subordinate my HELOC during the refinance. When I pushed them harder on this issue, the response I received from them was that my loan officer had spoken to their negotiations desk and they've decided not to honor my request to keep the discount rate the same as they've already applied a credit. I then withdrew my application from this lender as I did not agree with this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have in the past been the victim of ID Theft and have had a lot of issues getting info corrected. I have had a fraudulent address removed and now it is begin re-reported. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOES NOT BELONG TO ME AND NEEDS TO BE REMOVED!!!! My Address is XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I have attached a copy of my Drivers License showing my correct address.Please correct this problem

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 2020-10-25
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020 I placed an order for a new XXXX with XXXX. During the checkout process I was offered an XXXX XXXX XXXX for interest free financing. I decided to apply for this card during the purchase. I began the process on my personal phone ( but purchasing for my wife ) but during the trade in process, it seemed to want to trade MY device, not my wifes. To make this process easier, I switched to my wifes phone to complete the purchase and apply for the XXXX XXXX XXXX. I put all of MY information, had to send in pictures of MY drivers license, proved MY phone number, MY social security number, and Goldman Sachs ran MY credit. Nowhere during this entire process did it mention that I need to use MY device so it is linked to my XXXX ID and phone. After the purchase I noticed I could not add the card to my phone. I contacted Goldman Sachs who told me I was unable to add MY card to MY phone. It will forever only be accessible via the physical card or my wifes phone. They are not able to switch the email associated with the account! So now I have a credit card with a financing agreement in place for TWO YEARS before I can close the credit card, but I cant even see my bill for my credit card which reports to my credit report on my phone. Apparently there isnt any way to even pay your bill outside of the linked XXXX ID. How can this be legal? How is this right? What if I had used a public phone to complete the purchase without any warning from XXXX or Goldman Sachs that any random person would have full access to my credit card and account info, but not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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 sent a letter on XX/XX/2020, asking Experian to send a copy of the documents with my signature on them that they are using to verify creditors. They replied by email they were investigating and the report would be ready XX/XX/2020. However, on XXXX XXXX they said in an email they verified the information. I never received the copy of the documents I had requested. They are verifying information that is incorrect and I want the documents that they claim to have that verifies it is correct.

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