BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: CL Holdings LLC
State: AZ
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 never ever had an account with the account associated with Jefferson Capital. I believe that they were sold a collection account that I had nothing to do with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail.

Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ).

They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments.

It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage.

Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted.

Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly.

I have gotten nothing in the mail notifying me ... nothing for 2 years!!!

Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TD BANK US HOLDING COMPANY
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:
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, this company added 2 accounts in collections to my credit report. I disputed both of the accounts since I had no idea what they were related to. One account was removed since it could not be verified by XXXX. The second account was deemed accurate. I just received notifications of the outcome from XXXX  today, XX/XX/2020. I proceed to call Aargon so that I can find out what this account is related to. The rep could not provide me with any information that I requested so he stated that he would have to request more information and that he would have to call me back. I told him that I would like a copy mailed to my address on file. He let me know that that was not going to happen since it is personal information. This is interesting that this account is attributed to me but no one can provide me a hard copy. He proceeded to get irritated. At this point, I asked to speak to a supervisor. I was placed on hold, a message came on stating that I need to leave a message and the phone disconnected. I am not sure how I am expected to be responsible for something that is allegedly related to me, but I can not receive information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: MN
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:
Comenity Bank XXXX took automatic payments from my bank account on XX/XX/21 in the amount of {$2400.00} twice. 

I called their customer service number and a representative told me they would refund XXXX of the {$2400.00} payments back to my bank account which posted on XX/XX/21. 

I received my XXXX monthly statement and observed that they added back {$2400.00} ( date of entry XX/XX/21 ). They have now billed me XXXX times for the {$2400.00} and only credited me once. I tried to explain that they made an error and neither the customer service rep or her supervisor would listen to me, stating I'm not looking at the statement correctly and that if I needed help, I could get someone I trusted to look at it. I replied that I am not mentally incapacitated and that if they looked at this carefully they could see that I am getting charged {$7200.00} for a {$2400.00} charge. The supervisor hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent this identity theft report certified mail, and they claim to have never received it, even though i have the receipt. i need them to follow the law and " Block the items listed '' while the conduct their investigation. 

i am XXXX XXXX representing myself, and i will tolerate any " Stall Tactics '' of trying to say you need verification of who i am. I have a picture on my ID as part of the Affidavit. whatever consent you need. i am granting it right now as 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 2019-05-29
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
best buy is reporting incorrect info to the credit bureaus.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. XXXX XXXX made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.

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 2021-07-20
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a text from XXXX XXXX XXXX XXXX with the following : First part of attached text : Contact information card with Hunter Warfield address, phone number, and payment portal but no context at all " Hunter Warfield a debt collector has a message for you. Please contact us at one of the options on the attached contact card. Reply Stop to Opt-Out from Text. '' Due to grammatical errors and no current debts owed through collections, I don't believe this would be a real debtor outreach attempt, even if the company is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

I have had to call multiple times over 6 months to try and get this resolved from my credit report, which they listed me in forbearance which tanked my score. They disputed the fact that I was in forbearance and they refused to remove the forbearance from my account for the past 6 months. I am also receiving letters about being in forbearance even though I did not want to be in forbearance.

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 2020-10-12
Company: General Motors Financial Company, Inc.
State: MI
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 was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. GM Financial made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to finance a vehicle with 112 certified I was told I would get something in my price range of around XXXX I do have XXXX XXXX and did not comprehend the contract from what I understood to be payment of XXXX came out to be XXXX and I spoke with them right away and was told they would stop loan process so they have possession of the car I dont and they knew I could not afford the vehicle after stating they would cancel with the bank now they are trying to push a loan anyway they I could never afford and are trying to scam me I seriously need help they gave me no paper work no receipts or anything and trying force me into paying for used vehicle for almost {$30000.00} I have mortgage for XXXX and only make XXXX a month please I need all the help I can get

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 2021-07-20
Company: EQUIFAX, INC.
State: WA
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 pulled my Equifax credit report and noticed 14 unauthorized inquiries on my report. Equifax has removed them, but they are still liable for the damages I sustained as a result of this reporting, pursuant to the FCRA or specifically 15 USC 1681n, because I had to warn them multiple times to remove it and it delayed me from getting credit I needed access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently made a complaint about XXXX and Transunion regarding a bankruptcy on my report. I reached out to them via telephone and was only able to speak to a representative at Transunion ; XXXX request that you leave a message and someone will call you back and I have yet to hear from anyone. I questioned the representative with Transunion asking the name and credibility of the third party company that verifies bankruptcies per consumer. Transunion put me on hold and he came back and said he couldn't answer and will make a request for this to be removed. I have yet to see any changes. My report from both agencies are contradictory ; the filing dates do not match and one report says I filed chapter XXXX and XXXX bankruptcy. The status dates have not been updated showing that an investigation was done. I'm attaching snippets of my current credit report effectiveXX/XX/2018 that clearly shows the contradictions.

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 2019-03-25
Company: ALLY FINANCIAL INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX, one week after we turned in our lease vehicle early and paid the last payment, Ally sent us an estimated property tax bill for {$650.00}, which the City of XXXX has a due date of XX/XX/XXXX. Due to making the last month 's payment after turning in the vehicle they subtracted {$53.00} making the estimated balance {$600.00}. This was the first year of the XXXX XXXX  car tax phase out so I knew that the estimate was not accurate. We spoke with Ally, on a number of occasions, and requested a corrected bill with the actual amount due for car taxes, Ally failed to send us the corrected bill and sent our account to collections. In XX/XX/XXXX, Ally charged off the amount of {$600.00}, we went to the City Tax Assessor 's Office and obtained the actual amount of {$510.00} and sent payment of {$460.00} because we deducted the {$53.00} that they took off of their estimate. Ally is demanding payment of {$130.00}, which is the remainder of their " estimated '' bill. This caused our " perfect '' credit score to drop 120 points. We have paid the actual amount of our car taxes to date and demand that this charge off be removed from our credit reporting with all three credit bureaus.

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 2019-09-16
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A withdrawal in the amount of {$270.00} on XX/XX/13, Transaction ID : XXXX, still shows as processing and does not seem be going through as it is taking an unusually long time to complete. This is evident in the fact that a withdrawal in the amount of {$20.00} on the same date, XX/XX/13, Transaction ID : XXXX, shows as now completed when this one is still in process for whatever reason.. Both transactions are going to my external bank account ending in XXXX, there seems to be some technical issue going on and I do not know exactly what that issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company comes up on my phone as XXXX  XXXX. I called the number back and asked the name of the business and where they are located. The lady said Client Services , Inc. in XXXX XXXX, MO. They call several times a day from different numbers, but it's most always from area code XXXX, with the exchange of XXXX. As soon as I block one number, they use another one. However, in the past week, they have began to call before 8 am. Repeatedly. I have lived in the state of Texas for over 12 years. I'm in the central time zone. If the caller is unaware of this, they are more than likely trying to collect stale debt. I have received no written communication for a company with the name of XXXX  XXXX about any debt owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/40, this debt collector called my boyfriends dad and left a voice message about a supposed debt I owe. I have no record of owing a debt to this company and I have never received any validation that I owe this debt. Direct Recovery Services violated a FDCPA law, which does not allow debt collectors to leave messages with third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During transunion breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/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 2021-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank routinely blocks me from accessing my funds. Twice now I have spent over an hour on the phone with the bank trying to get them to let me have access to my account balance, and both calls ended in my inability to access my funds. This has nothing to do with recently deposited checks. It has to do with the bank 's fraud detection system flagging my withdrawals as fraud, and then the banks inability to remove that fraud flag resulting in the account being inaccessible.

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.

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 2018-06-12
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There were fraudulent charges on the BestBuy account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( BestBuy ). They continued reporting and responded XX/XX/XXXX with a resolution. BestBuy concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by BestBuy, XXXX XXXX, and finally XXXX XXXX XXXX. I received a letter from Citi on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. BestBuy informed that I had to contact the new company XXXX XXXX XXXX to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.

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