BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I got a car from XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX and it was from Lobel Financial. I recently read reviews from Lobel Financial and I see I am not the only one going through this. My credit reports from all credit bureaus say I have a numerous amount of late payments. I actually did n't have that many late payments and the last payment I made was a payment arrangement, they said I am safe if I made the payment by the XXXX of every month but I still called because all previous payments were always made by the XXXX of every month. The worker said I would be fine because there is a grace period till the XXXX of every month. The night before my payment arrangement my car was repossessed. I was able to get my belongings out for {$80.00} but they would n't let me take my speakers or anything and the price to pull the vehicle out was ridiculous. They sold the vehicle and still demanded full payment of the whole price of the car which was XXXX XXXX something and now they was {$5200.00} in fees. I called and told them that was unreasonable because they sold the vehicle and I can not pay for a vehicle in full that I was not going to get back. They took me to court and garnished my wages of {$400.00} every paycheck! I went to court and fought it and the judged ordered them to stop all payments, refund my garnished wages and to drop the case and amount. This company then reopened it on my credit as a charge off in XXXX XXXX when this hit my credit and was repossessed in XXXX XXXX. I contacted them to remove it and update it and they refuse because I did n't payoff the vehicle they already sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Starting in XXXX of XXXX, Citibank began charging me a penalty interest rate of 29.99 %. 
It is now XXXX XXXX, XXXX and I have never had any notification from Citibank that they have reviewed or made any effort to review my payments being on time. I have just recently become aware of the passage of the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act of 2009. The law seems to require that after 6 payments are made on time, the credit card issuer must review the penalty interest rate and return the interest rate to its original rate. 
I called Citibank customer service on XXXX XXXX XXXX and asked about having the penalty interest rate lowered. The person I spoke with said that I am required to make 6 payments on time AND each of those payments must pay the balance in full. 
Is this correct under the law? 
I then called again on XXXX XXXX, XXXX and the person I spoke with said he had checked with a supervisor and that the interest rate can not be lowered " because of the performance of the account ''. I do not have any idea what that means. That person told me they would send me a letter in 5-7 days explaining. I have not received any letter explaining.

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 2022-03-03
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:
I have a loan with the accounts below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

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 non-monetary relief
Consumer complaint received 2017-12-29
Company: Law Offices of Les Zieve
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My card was used fraudulently without my permission and without my consent, My card was lost or stolen at airport and used All over the XXXX, I 'm XXXX XXXX  protected from fraud If I i file in a timely matter and send a affidavit of fraud as I did, THis has been done and they took charges off my account and put them on new account then they closed new account and now they are not even sending out a working card.. I filed the fraun report Months ago and they have had more then the time allowed to investigate and resolve this and have not down so!

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 2017-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt with portfolio recovery XXXX/XXXX/XXXX. The debit was from XXXX XXXX in XXXX. Before I made the payment I was advised it would be removed, The debt was removed XXXX/XXXX/XXXX and then re added XXXX/XXXX/XXXX. Stating that I owe XXXX. I do not owe this amount and it was removed and added back. I contacted portfolio recovery and they told me they do not remove it from the credit file. They are reporting a balance that was paid for and will not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Account status incorrect

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have Capital One XXXX XXXX. I had used this card for a airline XXXX XXXX XXXX ticket purchase. Our trip was cancelled. The airticket has XXXX parts - XXXX for airfare and another one for luggage. We were suppose to get the {$60.00} luggage fees back from Capital One. We filed a dispute with Capital One. It went for a while - we provided all the required documentation to support our case. Capital One can not do much. Dispute was closed. 

I relocated from XXXX AZ to XXXX TX. 
Now when i logged into my account after weeks - come to know that I am subject to late fees and interest on that? What???? 
When capital one sent me any statement? When i logged in there was no way to chat with anybody. It was all so confusing ... it seems capital One refunded our dispute amount first and later took it away from us. We did n't got any paper statement. I just got one email  notification and I logged into my account and witnessed this late fees for no fault of mine. They should have at least sent me the letter stating money refunded and then charged and the late fees -but nothing? And moreover I have no idea when they refunded and took that money back - where is the late fees? I made the payment for only {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
strange and unfamiliar account pops up on my report. I wrote both the credit buraus and the collection agency about it and they both sent me the same computer generated information which only shows my address matched to these false accounts. I have written them again and requested a real debt validation and not some e-oscar varification print out. Have n't heard back from neither.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: The Bureaus, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed three fraudulous accounts on my consumer report in XXXX of 2021. I have made numberous calls to Transunion to have these accounts removed with no avail. I have called and have been transferred to their fraud department and told to call the " original creditors '' to ask for a letter of deletion, but when I call the companies they say they can not provide me with such letter because I do not have an open account with them. I have called transunion back explaining what the companies have told me and they tell me I have to have a letter of deletion from them even though that is not possible. It is so frustrating that transunion has not removed these fraudulous accounts from my report. I did not try to open them and I want them removed as soon as possible. 

The accounts sare as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX ) XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXXXXXX 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 2017-11-13
Company: General Motors Financial Company, 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 status incorrect

Complaint:
My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi I am sorry, I didn't open the credit card account on the XXXX and I have not received credit card and I didn't order and I didn't use the XXXX credit card never Please check my credit report and fixed. 
I can't open the other account and I can't co-signer for the student loan application for my husband and he can't give the loan. We are very very nervous and very very sorry for the incurrent credit report. 
We are very Physical and financial losses because XXXX report is incorrect.

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 2019-06-18
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: Information belongs to someone else

Complaint:
To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Financial Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mail stating that I owe financial recovery services, Inc, they said the debt is {$1500.00}. They are trying to collect on debt not owed. I am currently waiting on validation. If they can't provide please remove immediately for my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
purchased GAP insurance through Wells Fargo. Car was in wreck in XX/XX/XXXX. confirmed with Wells fargo in XXXX that I had Gap insurance and claim would be sent directly to them as soon as my insurance company XXXX sent the police report and claims loss letter. 
recieved confirmation from XXXX in XX/XX/XXXX ( via email ) that they submitted the payment and required documents to Wells Fargo and to expect them to recieve in 7-10 business days. 
continued to receive emails for the next monthly payment, Wells fargo reported to my credit bureau that I was delinquent. 
I have paid every single payment waiting for their GAP department to complete the claim. recieved a call on XX/XX/XXXX from the GAP department stating they never received the proper forms to complete the claim, confirmed with XXXX all documents and payments had been sent. 
Wells fargo refusing to process GAP claim and insisting I own an additional 3 months of car payments until XX/XX/XXXX. I have now filed a complaint with the Office of the President of Wells fargo, my state 's Attorney General 's office ( kansas, XXXX XXXX ) and will be contacting them again tomororw. I have also filed a complaint with the OCC.

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 2021-04-15
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXX XXXX back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I relocated XXXX, called XXXX for my final bill went pd bill ( est ) {$31.00}, turn equip in got receipts for both then filed them away.1yr later XXXX check my XXXX XXXX letter {$410.00} due to XXXX I call # on letter talk with guy, he said I owed, I gave him my receipts numbers, the conversation ended with him taking care of it, good to go. Almost yr later XX/XX/XXXX trying XXXXonmake a life purchase, only to find out that XXXX is on my credit report negatively. I now have no proof but the conversation between the office guy and myself. Who will believe me, I put my trust in someone behind a desk/phone to be honest. I threw away my XXXX file after the conversation that day and today it looks as if I've been paying for it. If the findings are not for me what can I do to get this erased from my credit report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXXmy daughter was hospitalized to XXXX XXXX. She presented with complications and the XXXX turned into a XXXX XXXX. Her original due date was in XX/XX/XXXX. I to had be off for 2 weeks at this time from work and unable to pick extra shifts with my other job as well. I myself have had some XXXX XXXX and missed a lot of work. I am currently on intermittent FMLA with my employer. I fell behind with XX/XX/XXXXand XX/XX/XXXX payments sent a payment for XX/XX/XXXX in it was returned to my bankruptcy attorney with a letter stating it 's not enough. They stated I needed {$2700.00}. My attorney told me that she would have the notes added to my plan in my chapter XXXX bankruptcy. XXXX XXXX refused to accept these terms and filed a motion to lift the stay on my home. Which has been granted in XX/XX/XXXX. I was told I had until XX/XX/XXXX to come up with XXXX. Then forclosure will start by XXXX XXXX at Standard Mortgage Corporation. XXXX XXXX who works in the bankruptcy department asked the reason why my payments were n't made be put in writing and she would consider accepting the plan agreement from attorney. After she got the reasons she said my financial situation Was n't going to get better and denied the plan agreement and went forth with lifting the stay. I feel my case has been handled inappropriately and I 'm being discriminated against at this company. This is not the first time I have been discriminated against here. I have been with this company for 10 years.

Company response to consumer: Closed with explanation