BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with Transunion and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to Transunion, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with Transunion and XXXX, but XX/XX/XXXX with 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 2018-03-15
Company: WELLS FARGO & COMPANY
State: CO
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:
We switched car insurance companies years ago. Wells Fargo asked us to provide proof of insurance. 
We provided the prof of insurance for the new company. 
We received a confirmation email that reads : you will be contacted only in the event that we are unable to verify the information you have provided to us. 
We received no other contact from Wells Fargo in regards to insurance but we have just discovered that Wells Fargo as charged us for insurance since XX/XX/2013 and hid it under the principal payment line on their e-statement. 
When we made a complaint to them, they asked us to provide proof of insurance again. 
We no longer have any proof from 2013 although we have the email confirmation that they received our proof of insurance in XX/XX/2013. ( we provided this to them ) Wells Fargo has taken no other action to research their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the impression that when mortgage payment is just being deferred and whatever payment I missed will be added to the tail end of my loan. This is what Bank of America advertised In the beginning during pandemic and now it changed and I am being forced to keep my loan to current or enter into loan modification or maybe payment plan. I did loan modification before and without my knowledge the terms of my loan was prolonged, my interest rate just keeps on going up every 3 months and at the same time my monthly payment also goes up. It is very stressful and I did not want to fall on this again. However I feel very pressured at this point and afraid what would happen if I cant repay all the mortgage payment I missed. Bank of America does not seems very helpful every time I call them and just keep pushing me to do a loan modification.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}

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 2021-11-08
Company: General Motors Financial Company, Inc.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX from XXXX XXXX in Texas. 
I added this new truck to my XXXX policy on XX/XX/2021 Confirmation # XXXX The agreed price and what came to sign are not the same. I have text messages, and emails going back and forth from the dealership stating that I did not agree with the prices. 
I have different copies of contracts with different amounts and I am not getting anywhere with XXXX XXXX. I have been working with GM Financial as well to find out why there are different prices, amounts and terms. 
This is now become a HUGE issues, as the truck as had major problems and was in the shop the first time 44 days. We got the truck back for 2 days when I realized there are more issues. The truck went back into the shop with major oil leaks. There is still issues with the truck. I am not able to make a decision about trading the truck off due to warranty issues, or lemon law based on the amount of pay off is not correct due to the contract. 
There is one contract stating XX/XX/2021, another dated inXX/XX/XXXX and another set a documents that were sent to XXXX XXXX county in XX/XX/XXXX, XXXX all with different prices, down payments and credits. 
I need to get this dealt with and remove the co-signer off my loan. 
I will upload all documents and I am sending in an email to GM Financial at the email given to me as XXXX today in hopes they can help me. 
They state that they will reach out to the dealership and go off by what the dealership shows. This lays the issue. I believe that the dealership has fraudulently changed the amounts, dates and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have the absolute.legal right under Federal Law to file a complaint against Valley National Bank without it taking the vindictive action of closing my accounts as per the letter of First Vice President XXXX XXXX dated XXXX XXXX closing my accounts on XXXX XXXX! This is obstruction of justice which is a felony!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debit for {$800.00} from XXXX XXXX or credit management lp via certified mail Several times. I never opened the account I was told the account was made in Nevada which I have never lived. The company will not provide and documents to prove I opened this account. I have not been provided anything to accurately dispute the fraudulent account. They keep saying the debt has been verified when I know I did not open this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: BTH Management
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has called my job repeatedly after my employer we can only have emergency calls only. He said O have several law suits against me, he spoke with a employee about me as well as she was trying to take an message. XXXX XXXX hung after I told him Im at work and couldnt talk at the moment he said he will keep calling back. They call me every 15 minutes on my cell phone.They have also called several family members whom I not related to but are my husband family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: TX
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 in the process of applying for a mortgage. A brand new negative entry for a collection account from " XXXX '' has recently been added to my Equifax credit report, approximately 2 weeks after the mortgage application. I have never had an account with XXXX, and date of last activity for the account is listed as XXXX 2013. I have never been contacted by XXXX, no phone calls, no mail, no emails, over the years that have past since XXXX 2013. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Personal information incorrect

Complaint:
I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your record to the address listed below : XXXX XXXX XXXX XXXX XXXX, pa XXXX - Please Delete any other addresses attached to my credit report. 

This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX  My only employer is : XXXX XXXX  Please Delete all phone numbers on my credit report. 

Please Delete all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per fair credit reporting act since they are not accurate.

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 2020-11-09
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont recall opening an account in XX/XX/2020, not sure why I am seeing a debt for over {$700.00}. I would like to see documents proving that I signed up for this phone plane.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: LA
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 never been to these companies to apply for credit they were removed from the other bureaus XXXX and XXXX please remove these because I never gave no one permission to run my credit

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 2018-01-31
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
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 is missing that should be on the report

Complaint:
Company : XXXX Date :XX/XX/XXXX 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

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 2020-11-09
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
There are unresolved errors on my credit reports as reported by MOHELA. I have only one student loan that was handled by MOHELA. MOHELAs inattention to my written requests has created a duplication on my credit reports. I have disputed said duplication with XXXX, one of the three major credit reporting agencies. I have also requested that MOHELA remove this negative reporting via a letter sent certified mail and received by Mohela on XX/XX/2020. 

I have given up on trying to convince MOHELA that they should respond to my letters so I have filed a lawsuit against MOHELA which they have yet to respond to formally. I have sent the lawsuit to their certified mailing address in my state and to their attorney XXXX XXXX. The error I am trying to have fixed still shows up on my XXXX  and on my XXXX XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Financial Data Systems
State: NC
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:
A collections account # XXXX in the amount of {$170.00} from the original creditor XXXX XXXX appeared in my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car from XXXX XXXX in XXXX va in XX/XX/2020 with the understanding that I was trading my vehicle in at the time. The dealership approved a separate car loan and stated the insurance would take my vehicle that was damaged that was not the case. I now have two car payments I am unable to afford and unable to afford an attorney even though they committed predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company response to consumer: Closed with explanation