BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my 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 2020-11-18
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX University manipulated me into registering for my 1st course, without properly informing me of deadlines regarding drop dates, as I dropped course a day after deadline and school advised me then that I had to pay full amount of course, close to {$2000.00}!! What a horrible situation, as I was unable to receive service from advisor related to having second thoughts in registering for class, but the advisor was quick to recruit and convince me to register. Its as if they are aggressive with communication until they lock you in. Very unfair business practice. Please have them remove me debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: NV
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 know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help

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 2021-03-27
Company: CITIBANK, N.A.
State: NJ
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:
in my credit score at XXXX  and XXXX  shows balance XXXX still open at bestbuy card visa, by Citibank, payment already paid in full, paiment made to " XXXX XXXX XXXX, reference number : XXXX, creditor Citibank, but after colect a last amount XX/XX/21 any one removed from the Bureaus.. 
Client services phone : XXXX Citybank : XXXX thank you for help me 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 2019-08-15
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was admitted to XXXX XXXX Hospital  in XX/XX/XXXX. XXXX XXXX   XXXX, a debt collection law firm bought the debt of XXXX from them.  In XXXX of XX/XX/XXXX, they received judgement against me in civil court.
I disputed the amount of what they said I owed them. I asked for a detailed accounting from the hospital and the law firm.
The next thing i know, my bank account is garnished for XXXX on XX/XX/XXXX.
When i called and asked them why they did that, they where quite evasive and ill tempered. 
At that time,I had a lawyer to talk to them about setting up payment arrangements, they would not, because they want me to pay XXXX a month, and can only afford $200 to $300.
I send them in what I can pay each month!! but they keep garnishing my bank account, causing me to be constantly overdrawn. 
 XX/XX/XXXX, they cashed the payment I sent them in for that month and at the end of the month June, they garnished my bank account again, for XXXX
They keep cashing the checks I send them each month, but they keep garnishing my bank account, causing me overdraft fees, and dragging me to court.
If they keep cashing my checks, I'm paying a fair amount, why the harassment?
All because they only want to accept XX/XX/XXXX when I can only pay $200 to $300.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my bank once I realized my card was missing and when I logged in my mobile app I seen some checks were deposited into my account and also an unauthorized withdrawal and transaction was made that wasn't done by me.The bank never told me how to resolve this instead they closed my account and took my money and never reimbursed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed.

When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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:
In XXXX, I filed a dispute with Equifax regarding some inaccuracies on my credit report. They received my letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance to the FCRA as I was supposed to receive a response within 30 days of filing my dispute and this was also the second dispute I filed with this company. The first dispute was filed on XX/XX/2020 for which I did not receive a response either. I certified my mail and was able to track the dates and times that it was received from USPS. Their lack of investigation compliance is impeding me from correcting my report and because of it I am experiencing a lot of turmoil as I can not purchase a home for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, I submitted a dispute with Experian about my XXXX  XXXX account that is reporting on my Experian tradelines. I was impacted by the covid-19 pandemic and was instructed by XXXX XXXX to contact the credit bureau to dispute the negative information reported on my account. My account was reported Thirty days late and XXXX/XXXX  agreed to delete the information and for me to dispute the account. 
The dispute was submitted on XX/XX/2020 ; on XX/XX/2020 I received a email stating that the dispute was completed and there was no change. 
Experian did not fairly or accurately investigate my dispute information. 
The error was not fixed on my tradelines.

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 2020-11-18
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My XXXX XXXX XXXX was stolen from XXXX XXXX XXXX on XX/XX/XXXX. My insurance company nor XXXX want to be held liable for it. I have been paying the {$870.00} note since XXXX. I reached out to both and they are giving me the run around. My insurance was current and I was told to park there by the Rental car center

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my 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 2023-08-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have Five Fruad Accounts on my credit report and Two inquiries. 
XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$760.00} XXXX. XXXX XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX error caused charge for XXXX to be deducted from my bank account. 
PNC Bank charged me {$420.00} worth of overdraft charges as a result. I contacted XXXX and they agreed to refund the {$110.00} to my bank account. I brought XXXX confirmation email to branch in XXXX XXXX FL and Manager refused to refund the overdraft charges. 
I am currently unemployed trying to make it on a {$1000.00} a month alimony check. Having {$420.00} go out the door for a charge that was an error is unacceptable. Please assist

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: NY
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 stating these are not my accounts and I would like them removed

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 2021-01-21
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon taking a trip on Frontier Airlines in XX/XX/2019, they advertised a credit card where I could get free miles -- enough for 3 round trip tickets. I have cards with both XXXX and XXXX so thought it would be a good way to save for travel w Frontier as well. 

I went about my life and didn't realize that I never received the Airlines card until I got the past due billing statement from Barclay 's for {$79.00} ( annual fee ). I immediately called and told them that I never got the actual credit card. They offered to send me another but told me that because the 60 days had passed without me putting $ $ on the card, they would no longer be able to offer me the points to get me 3 round trip tickets. I told them if there were no points, I didn't want an extra card, and they insisted that I needed to have the card. They said they would send me another card but I never got it. FRAUD! ARGH. 

They continued to send me a couple more past due statements for the annual fee and every time I called and said I didn't want the card and that I wasn't going to pay a fee for a credit card I never got! I also said they had BETTER NOT BE REPORTING ME TO CREDIT BUREAU, but apparently they did! 

Please get rid of this FRAUDULENT charge for a credit card I never received. It was reported to ALL three agencies -- XXXX XXXX and XXXX. 

The late dates they reported me were for XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/201XXXX 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 2017-12-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was rushed into the car by a dealer and financed by this company I was told after talking to at least five XXXX people offshore that I paid over 26k in interest but they dont refinance they compound daily on the amount owed or proposed owed. 

I was then sent to the re write department and was talked to 5 people said they were American and citizens I said that I paid so much for this car I wanted a break and reduce my payment He said we dont do that, YOU XXXX XXXX XXXX XXXX GO SURRENDER YOUR XXXX WHEELS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX REWRITE DEPT AT ALLY XX/XX/XXXX XXXX EST I since paid off the loan with help from another bank, and they still wont credit the account and on-top of it all I over paid the payoff by XXXX and I want that sent to my checking they refused and as of today they still show I owe {$10000.00}, I PAID XX/XX/XXXX XXXX signed by Delivered : XX/XX/XXXX XXXX XXXX  Signed for By : XXXX Department number : Consumer Lending Signed for by : XXXX Delivery location : XXXX , KY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
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:
Wellsfargo promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX   says they can not help me at all because my credit history says NEGATIVELY that my account with Wellsfargo is in forbearance.

So effectively Wellsfargo lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in XXXX used her XXXX income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but  with this WellsFargo short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
On or about XX/XX/2020 I filed a dispute with Equifax concerning items the I believed were unverifiable, incomplete and inaccurate. Equifax failed to finish the investigation within the 30 days alloted time. In addition Equifax failed to provide the information on file pertaining to the disputed accounts or provide any documentation evidences proof of me engaging in a consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Ocwen Financial Corporation
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 inquired about mortgage forgiveness dieting COVID19 ... was told I could skip XXXX XXXX XXXX payment but in XX/XX/2020, all arrears plus current payment would be due. I said thats no help Ill make my payments agent suggested I still enroll in plan in case NOT ONCE DID AGENT MENTION MY CREDIT SCORE WOULD BE AFFECTED I enrolled but opted to continue to make payments XX/XX/2020 my credit score dropped 30 points down to XXXX Reason : PHH MORTGAGE reported me in forbearance I called and spoke with agent XXXX rescinded any enrollment in their payment optional plan requested they remove note from XXXX the forbearance note is still there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: CO
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 am resubmitting this complaint because my core issue was not resolved. I am complaining that XXXX XXXX can not include XXXX XXXX codes or XXXX codes without a signed a XXXX release. Please address the main issue. I am prepared to hire a lawyer if this is not resolved. I have attached proof. Please actually look at 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 2020-05-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced my auto loan from Ally Bank to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX issued the payoff check. It was sent on XXXX to ally financial. Ally financial is refusing to connect us to anyone in the XXXX payment processing center. They admitted that their payment research team is backlogged and they can't tell me where our payoff check is. We have been advised that their customer care group in the US is in a meeting and then 20 minutes later we were advised that they are closed. We have continued to get lies instead of straight answers and can not get anyone on the phone that can help us. They are sitting on a payoff for our loan and after 2 and 1/2 hours, we have to give up as we were placed on hold with no one answering again and we can't get answers on why they haven't applied our payoff but yet we are accruing interest. They have left our loan open even though the payoff has been sent and refuse to send to any department that can help.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account that is incorrectly reported into my credit profile. I have no affiliation with company. Transunion is incorrectly reporting data

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