BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I want GM Financial to provide a clear title to my car and send a release to the State of Illinois to have XXXX XXXX XXXX XXXX XXXX removed from my title. Either obtain a release from XXXX XXXX XXXX XXXX XXXX or provide a Certificate of Error indicating XXXX XXXX XXXX XXXX XXXX XXXX should not have been added to title. 
GM Financial, XXXX XXXX XXXX XXXX XXXX  sent the lease agreement to the State of Illinois, Secretary of State so that XXXX XXXX XXXX XXXX XXXX would be lien holders. 
Because of the actions of GM Financial, my car title incorrectly listing XXXX XXXX XXXX XXXX XXXX as lien holders. 
Background. 
I leased my vehicle in XX/XX/XXXX at XXXX XXXX XXXX of XXXX XXXX. My lease payments were arranged with GM Financial. My Lease Payments were made to GM Financial. My vehicle is a XXXX XXXX and was new at the time of the lease transaction in XXXX. 
XXXX XXXX XXXX XXXX XXXX was also named as being involved in the lease transaction. I am not certain, but XXXX XXXX may have provided financing as a third-party so that the lease company could purchase the Vehicle. A search of the internet revealed that XXXX XXXX, XXXX XXXX & GM Financial are Partners XXXX XXXX XXXX XXXX XXXX are still listed on my registration & title as lien holders. 
I obtained a pay-off from GM Financial and paid-off the lease in full over two years ago. a conventional auto loan to pay-off the lease from XXXX Bank XXXX I refinanced my loan with XXXX XXXX in order to get a lower rate. 
My payment summary is as follows : XX/XX/XXXX Obtained Lease from GM FINANCIAL. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from GM Financial for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened XXXX XXXX account & Paid-off GM Financial Lease Agreement in full . 
XX/XX/XXXX Opened XXXX  XXXXXXXX XXXX XXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful. 
Attachments : Email summary sent to GM Financial. 
Illinois Secretary of State title information Showing XXXX XXXX on Title Illinois Secretary of State title release information to be completed by GM Financial. 
Letters from XXXX XXXX indicating they have no knowledge of a related account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MN
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-24
Company: EQUIFAX, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days late inXX/XX/XXXX 60 days onXX/XX/XXXX 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have received several emails ( including but not limited to ones received on XX/XX/2022 and XX/XX/2022 ) from Citi directed to me, as a holder of their XXXX XXXX co-branded credit card, an offer to open a " Citi XXXX XXXX XXXX Account '' and receive targeted opening bonus as well as enhanced features on the Card as part of having the saving account. I have tried several times to open the account online and had been met with a nondescript error message to suggest to me to try again later. I have sought help through their online tech support that did not fix the issue so I gave up. 

Upon receiving another email on XX/XX/2022, I tried again to take advantage of the offer and called the number provided on XX/XX/2022. It was a 40 minute phone call where I provided everything necessary to open the account and at the very end I was told by the Citi sales associate that they could not get the offer to apply in some sort of technical error. Upon a second attempt, they informed me that they can not proceed with the account application. I requested to escalate the call to get further support and was told that was not an option. I believe it is a deceptive and unfair practice to repeated market an financial product to a client and then being unable to fulfill such offer. 

This has consumer several hours of my time in totality, and in the meantime I have set aside significant funds in my checking account ( not earning any interest ) readying to fund the savings account to take advantage of the offer.

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 2020-01-18
Company: BMW Financial Services NA, LLC
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:
see attach FTC violations XXXX XXXX XXXX funding credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  could not add all accounts on FTC maybe more to come

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account date : [ XX/XX/XXXX Reason : [ NEED IT REMOVE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-08-24
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX XXXX XXXX card was switched over to a new company, Marcus by Goldman Sachs. This switch was without my consent or knowledge, this was XX/XX/XXXX. I called the number on the back of my XXXX XXXXXXXX card and was transferred to Marcus by Goldman Sachs. I asked them to deactivate my card, because I did not want to use the card but I did not want to close the account and hurt my credit. I informed them that this was my online shopping card attached to many different accounts like XXXX, XXXX, XXXXXXXX XXXX, any place that takes money monthly or anything you have to attach a card to, i attached this {$300.00} limit card from XXXX XXXX that i had for 6 years. So as I went to login to my things, and it was on this card i would change the card. I was unaware that closing a {$300.00} credit limit would not hurt my credit at the time ( I found that out in new research this month, so the account is now closed ) but going back to XX/XX/XXXX, they were supposed to deactivate it. Then a charge went through for {$1.00}, after receiving that bill I paid the card off and asked them to be sure this time the card was turned off. Two more times purchases went through on this card, I did not want to place my checking account number with a credit card I had never heard of. The lady on the phone told me to dispute the charge of {$21.00} since the card was supposed to be deactivated. So I did as she informed me, and put a dispute in. The credit card company says their records say I called back in and cancelled the dispute. I never did that, and so now 2 late fees have tacked on to the bill. So I then did research about closing the account since I am having so much trouble, so on XX/XX/XXXX I called in and made the {$21.00} payment and closed the card for good, they sent the late fees to dispute since I shouldnt be responsible for those. They are now saying after looking at the dispute they are not taking these fees off. So I am wanting to file this as scam or fraud. I believe they are scamming me for late fees, I called in numerous times to stop this card. Charges that went through on this card, they should have been declined if the card was deactivated. The company says there is no record of me requesting that, then they cancelled my dispute and said it was claimed by customer, it was not. I called to make payment and she suggested I dispute. If I had paid the {$21.00} charge when I called in, it would have never gained interest and late fees. Marcus by Goldman Sachs told me there is no number or anything they can give me, no higher manager to send me to. I am not late on credit card payments, this has dropped my score XXXX points and I work hard to keep up with my bills. I am wondering if there is anything I can do other than pay {$62.00} to that credit card company that is scamming me. Thank you so much for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Block, Inc.
State: NC
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:
Someone stole my card from cash app used all my money fraudulently in authorized transaction XXXX $ XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Their investigation did not fix an error on your report

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation, confirmation # XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00}

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 2022-10-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase allowed several unauthorize transactions on my account in which I am asking a full refund back ASAP as these are my life savings. 

The unauthorize transactions are : XX/XX/XXXX from Blockchain.com for {$5000.00} ( which I already received refund from ) XX/XX/XXXX from XXXX XXXX transactions for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} A total of XXXX USD. The same company XXXX credit my account {$8.00} USD and for this reason chase is denying my claim with that merchant. This is absurd, so this company fraudently withdraws my account for {$30000.00} USD and randomly credits me {$8.00} then Chase refuses to help me. I want to repeat that XXXX is a fraud company and I never done any business with them. These are unauthorize transactions I never approved. Any transaction related to XXXX and XXXX are not and will not be authorize by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/2022 I sent in letters to XXXX to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to Transunion to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.

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