BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/2018, after 3 year lease, I returned my vehicle as instructed by the the bank and dealership where I leased from. The finance person at dealership stated that I have a " lease protection plan '' which I knew it. I returned the vehicle in good conditions and way under mileage, XXXX miles not driven. But on XX/XX/2018, the bank took possession of the car, subsequently sent me a bill of {$1500.00}. Stating that the has damages, excess wear and tear, etc ... This is outrageous and lack of moral. I have the report from the dealership the car has no damages, except for a minor scratch on the front bumper that won't exceed {$350.00}. Even though that I have a lease protection, still the want to collect more money. I told them that, I pay what I owe, NOT what I don't..Now they're threaten me with negative credit report. Please I need help to stop this institution committing fraud against 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 2023-02-03
Company: Experian Information Solutions Inc.
State: MN
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 accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
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:
Regarding : Vehicle : XXXX XXXXXXXX XXXX VIN : XXXX Illinois Title # XXXX Registration Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Chase Auto : I had a car loan with Chase which was used to pay-off a lease I had with XXXX XXXX. 

XXXX XXXX was also a party to the Lease transaction when I acquired the car new in XXXX. XXXX XXXX is still listed on title with the State of Illinois. 

XXXX XXXX should have sent the Title to Chase. and appropriate paperwork indicating a release of lien. XXXX XXXX reports sending all the appropriate paperwork to Chase. 

Chase was reported to send a release of lien to my current lender which is XXXX XXXX. However, Chase did not forward a title. 

At this point, I am not sure where the title is and how XXXX XXXX figures into the lease transaction. I suspect that XXXX XXXX provided financing to XXXX XXXX to purchase the car but am unsure. 

What I need to clear up my title is copies of the documents sent to Chase from either XXXX or XXXX. 


Background XX/XX/XXXX XXXX XXXX from XXXX XXXX. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from XXXX XXXX for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened Chase Auto-Loan account & Paid-off XXXX XXXX Lease Agreement in full . 
XX/XX/XXXX Opened XXXX XXXX XXXX XXXXXXXX & 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: MD
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 filed a dispute about 3 accounts ( paid medical bills ) online with Equifax XX/XX/2018. 2 days later I received a notice that my credit score decreased by 47 points from XXXX as of XX/XX/18 to XXXX XX/XX/18 even thought the accounts total of 4 collections were removed from my credit file. As of XX/XX/18 my Equifax score is XXXX. XXXX & XXXX are both XXXX. Nothing else changed on my credit report to cause the score decrease. There's been nothing but improvements to my credit file. I filed the same dispute with the other two bureau 's, XXXX & XXXX, they removed the accounts and both of my scores increased by 10 points as a result. This same has happened to others as I am seeing complains on a XXXX XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX YONKERS, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}, XXXX XXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-09
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. 

Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. They failed to provide any. 



Thank You for looking into this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit reports with XXXXXXXX XXXX and Equifax after the data breach at Equifax. While XXXX and XXXX have provided easy access via web portal for me to freeze/unfreeze my credit report as needed, Equifax is being incredibly difficult. They refuse to let me log in to the myEquifax portal, and they won't tell me why. I spoke with a customer service rep last night XXXX XX/XX/2019 XXXX, and not only was he unwilling to explain why I am not allowed to log in, but he also refused to let me speak to a supervisor ( he said " there aren't any available to speak with you '' ). By then end of our conversation, he told me he would send me an email with instructions about how to unlock the portal, and also an email contact for a supervisor, but the email just restated that I was not allowed to log in to the myEquifax portal, and he failed to provide a contact email for a supervisor. Basically, they are telling me that they only way I can freeze/unfreeze my report is to call in a spend a half hour on the phone with a customer service rep verifying every detail of my financial life ( or send a letter via USPS ). The only reason I need to freeze my credit reports is because of their own security negligence, and now they're basically telling me that they own my credit report and I can only freeze/unfreeze if I play by their rules. Do I have any legal recourse to force them to provide me access to the myEquifax web portal? Or to at least make them explain to me why they refuse to let log in? Like I said, the other XXXX bureaus have made this process simple and streamline, it's just Equifax that is making this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive signed a contract with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The financing is done through Exeter Finance LLC. Now Ive had problems with this car since a week after driving it off the lot on XX/XX/XXXX, where it states on my diagnostic through the vehicle that nothing is wrong but a check engine light came on that same day like it was hidden in the system. I also have proof that my odometer was rolled back by 45 miles prior to selling me the car. I also had a warranty added on that I was not notified about that was active for two years that wouldve helped but based on my research they are a scam company and do not pay out when it comes to replacement repairs. I have also been put into financial hardship further with this car because my car payment on contract is {$340.00} with interest rate of 28.99 % but with contract with XXXX  XXXX it says {$340.00} with interest rate of 27.99 % and was told that this was a relatively low number especially with a co-signer and a required down payment by the dealership. I am honestly upset by how to the untrained eye it can look like my contract is great but to those who are experienced in the vehicular industry have said Ive been basically sold a dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
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:
MY NAME IS XXXX XXXX XXXX XXXX, AND I AM WRITING THIS STATEMENT SOLELY ON MY BEHALF. THE LISTED ACCOUNT IN THIS REPORT HAS BEEN OPENED USING MY PERSONAL INFORMATION WITHOUT MY CONSENT OR KNOWLEDGE. THIS ACCOUNT IS REPORTED AS A FRAUDULENT ACCOUNT AS IT WAS OPENED WITHOUT MY CONSENT. I AM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. Take note, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify their address and phone number. Since the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXXXXXX. Please delete these fraudulent accounts ASAP.

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 2022-10-20
Company: EQUIFAX, INC.
State: VA
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to U.S.C. 1681 ( a ) ( 4 ) right to privacy. They are also in violation of 15 U.S.C. 1692c, as NO THIRD PARTY HAS MY CONSENT TO COMMUNICATE WITH ME IN THE CONNECTION OF COLLECTING DEBT. I have no business with LVNV FUNDING LLC and never entered into a contract with them to pay any debt they are claiming is owed. Delete the account immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 in the morning I called customer support to get updated when a transfer I mistakenly made to Wells Fargo credit card will be returned or reversed in Wells Fargo speak. I was told it was being " reviewed ''. I asked to be transferred to whom ever was " reviewing '' my case. There I was told my case was being handled by, XXXX and she was in a meeting. I asked for a number to contact XXXX at if for some reason she didn't get the message. The number given me was, XXXX - XXXX - XXXX. When dialed, a recording states the number is a non working number. Seems that the ability and need to lie is ingrained in this company 's culture. 

Thank you CFPB for being there and doing what the name says, Protecting Consumers. 

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 2023-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was corrected. 

It is paid in full and closed.

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