BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I received a sales call from Tesla in XX/XX/2023 offering an incentive of waiving the disposition fees and the last 2 lease payments on my existing lease ending in XX/XX/2023 XXXX  XXXX if I purchase a new Vehicle. We went through the existing lease and met all the criteria. Nothing was mentioned about returning the leased vehicle in the same month of taking delivery of the new vehicle. 

I proceeded to place the order with Tesla on XX/XX/2023 solely based on those incentives and canceled an existing XXXX XXXX order that was placed on XX/XX/2023. ( Ref attached order & cancellation emails ). 

Upon taking delivery of the new Tesla ( XXXX ) on XX/XX/2023 and on the same day I attempted performing the return transaction on the app but the final quote was incorrect giving me an amount significantly more than the remaining lease payments. I attempted to reach out to the lease return team over the phone and was advised to make XXXX payment and wait for the final quote to be revised. 

I followed the instructions but still the final quote did not reflect the correct balance at {$4600.00} although the remaining lease payments is around & XXXX ( Ref attached quote ). 

On XX/XX/2023 I sent an email inquiring about the final payment adjustment to reflect waiving the last 2 lease payments and the response that the credit will be retroactively applied to customer accounts after the return and that I should proceed to return the vehicle. 

XX/XX/2023 I followed up with another email requesting clarification about the Tesla app instruction make the final payment before returning the vehicle and the response was " Once the lease has been returned, we can look into making the adjustments on your final invoice. '' On XX/XX/2023 I returned the vehicle and received an email confirming that 1 month lease payment amount was credited to my account ( ref attached email ), but that credit was not actually applied to the account. 

I tried numerous times reaching out via phone and emails ( see attached ) to resolve this issue but have not been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EMCC Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted this collection agency and told them that this account was never mine. my personal information was used without my consent. i need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX, consumer, natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681and FDCPA agent to pursue a debt collection lawsuit against a consumer after the statue of limitation expired ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX ( XXXX  ). 
15 USC 1681a ( 2 ) ( B ). 
XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
Delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-19
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 have submitted four investigation requests to Experian starting in XXXX of 2021. ( please see attached letters ) all 4 letters were mailed certified with confirmation that they were received. 
Ex

perian has violated FCRA for multiple reasons on this account.

1 ) They have yet to respond to me in over 5 months- however they put comments on the credit report stating account in dispute now resolved. - NO INVESTIGATION was done!

2 ) In the comments they report : unpaid balance reported as a loss- however in account status it shows PAID- which it was paid in full!! ANOTHER VIOLATION 3 ) the two year history is continuing to show " CO '' well over two years old- ANOTHER VIOLATION- which this is not only inaccurate but outdated.

Ive attached all supporting documents including letters as well as 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 explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-05-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I called the company today on XX/XX/2023 and spoke to a representative who refused to give me her name. I requested information on the payment history and she said she can not give me any information except I owe {$440.00} on XX/XX/2023 and a payment was made on XX/XX/2023. I requested to know when the payment had been made and why I did not receive an email. She said I can not give you any information. I am confused why I am still locked out of my account as a main borrower on the loan. I have also submitted a local police report on Ally Auto for breeching my privacy.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: AMERICAN EXPRESS COMPANY
State: NC
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 dont regonize this inquiry. 

AMEX Date of inquiry : XX/XX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2018-05-17
Company: Rocket Mortgage, LLC
State: NJ
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 initially entered the last 4 of my social security to obtain rates offered by the company because of the claim that it would not impact my credit report. This was the only way, it seemed, to get a display of possible mortgage rates. Following this event someone called me. 

I made sure the first thing was to verify that My initial act did not impact my report and this was so verified by the banker who called. During our conversation I explained I only needed to ask questions. He verified some of my information and I asked him what was the purpose or difference since who was on the phone, because I'm only asking questions. He said to provide a rate he has to pull my credit report. I told him I was not ready to shop and did not want my report pulled. He proceeded by asking what was wrong with my report and why was I so concerned. I had to ask him not to try to sell me and if I needed anything I would call since I now have a number. On XX/XX/XXXX I received an alert that there was a hard inquiry which impacted my report by -8 points. 

When I logged in I saw it pulled by XXXX. I did not know who this was but only recalled speaking with QUICKEN LOANS. When I contacted them they said they did run my credit. I asked them to correct the error with the credit bureau because I did not authorize them to run my report and specifically requested they do NOT run my credit. 

The issue was escalated and I received a call on Monday XX/XX/XXXX from XXXX XXXX, Resolution Advocate. She said they were pulling the recording to investigate and would contact me with a resolution by Wednesday XX/XX/XXXX. 

XXXX XXXX Contacted me again on XX/XX/XXXX and confirmed that I was correct, and that she counted 5 times where I specifically requested he does not run my report. However, she also explained that because they have access to my personal information they can legally run my credit report. I explained I was never a client, I had no relationship with their company, I simply wanted questions answered and under these conditions I needed them to contact the credit bureau and have this inquiry reversed but she said there is nothing further that could be done since they had the right to run my report since they had my information, even with my request to not run it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2021-10-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In reference to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX. I disputed these items and your company said that the listed companies were verified as accurate. I was in dispute with the results and requested a method of verification, which is within my rights according to a section in 611 fcra. I have asked several times for them to provide that information to me and it seems as if they refuse to. The company only had 15 days to provide that information according to fcra or if not I can sue for damages if they are not able to provide. Its been over 2 months and I still have not received a response 3rd request. Also they are reporting a company I do not have a contract to pay them and they are not suppose to be reporting on me. The company is XXXX XXXX XXXX. The company and experian are really not in compliance when reporting information on me. And experian is not in compliance when reporting any of the other accounts because they can't provide methods of verification. This means that experian is not properly reporting due to noncompliance of not being able to provide verification of the accounts in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to NewRez. Payments were made successfully for three months, set up auto payment, letter received all was set up and good. Payments were taken out from our bank account, payment posted on mortgage site, then received notification of lack of funds, reverse payment, late fee for four consecutive months, with no money going back into our bank account, which has the funds no question. We contacted NewRez, who then had us contact a second company, Shellpoint, who has not contacted us about resolving the issue and who has now contacted us about potential foreclosure if not paid. We have paid, money has been taken out of our bank account, and we may have overpaid at least one month for this snafu. Paperwork originated from NewRez, now that we have contacted Shellpoint, the paperwork is now coming from Shellpoint, with no notification of the company changing names or our mortgage being sold again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: GOLDMAN SACHS BANK USA
State: GA
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 account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. Goldman Sachs investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. Apple Card/ Goldman Sachs did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a push notification the evening of XXXX that my atm card was used at an atm location on XXXX XXXX XXXX in XXXX XXXX. I was not in XXXX XXXX that day, and my card was in my possession. My card was not stolen, no one other than myself has a card or permission to use it. I am also the only person with the PIN number. I automatically called the bank to inform them of the fraud that was committed, and was told I had to wait until the transaction was no longer pending before I could put in a dispute. On Saturday morning the date of XXXX, I put in the dispute by phone, and once again reiterated that the card was not stolen, was in my possession and that I had not made the transaction. I was told it could take up to 45 days to resolve the dispute. The dispute was denied on Monday morning, the XXXX of XXXX, and I was not given any explanation. I was told I had to wait up to 10 days to receive an e-mail explanation. I received the mail this morning, which is XX/XX/XXXX. The e-mail is quite suspicious, as it does not indicate the name of the business/bank atm where my supposed card was used, the address of the merchant, or the name of the person sending the document, or even the date of the document. I am extremely upset about this entire thing, as I am out XXXX that I did not authorize, and am strongly feeling that this was I side job at chime bank. Please advise on what I can do at this point.

Company response to consumer: Closed with explanation