BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: VW Credit
State: OH
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:
On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking. 

On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX  I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead. 

About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website. 

On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me. 

I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
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 HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM 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 explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
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:
I am having auto loan with XXXX XXXX XXXX. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from XXXX XXXX XXXX. 

But it seems that XXXX XXXX XXXX has not been reporting this to credit reporting bureau ( Experian, XXXX, XXXX ) since XX/XX/2023. 

This is affecting my credit report and credit history very badly. 

On XX/XX/2023, I have sent credit report, my monthly statements from XXXX XXXX XXXX and letter explaining my situation. I haven't heard anything from them so far. 

Kindly request you to please take action on this at the earliest.

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 2023-07-27
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
There is inaccurate information on my consumer report, the collection account by Midland Credit has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
My information has been compromised. my info was leaked to the public in the XXXX Data Breach and now I have been a victim of identity theft. I have unauthorized accounts and unauthorized inquiries that I didn't benefit from. this is unfair and has been hurting my chances at getting a mortgage loan and giving me a bad reputation with the banks. I need these inaccurate and incomplete accounts and inquiries 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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Please delete these accounts from my credit report as they are fraud. 


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 2021-07-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am resending my correspondence dated XX/XX/2021 since this company continues to call and leave voicemails even after sending a cease and desist. Attached please find debt validation request, cease and desist and invoice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Ive had over 30 inquires on my credit report and tried to take to company about removing them are was denied any 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 2022-12-16
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Went to Citi Bank in XXXX XXXX with wife and {$500000.00}. dollar cashiers check from XXXX XXXX XXXX. Wanted to open two {$250000.00}. XXXX 's, After waiting for 45 minutes for paperwork it turns out they can not take one cashiers check to fund both accounts!!!!!! 

Next day got two {$250000.00} dollars cashiers from XXXX XXXX XXXX  and again they would not take checks because they were both in my name and they couldn't except my check to open my wife 's account. I am a senior citizen with years of banking and never heard of the above! I We were the only white people in the bank on both visits and maybe XXXX profiling! 

Went across the street to XXXX XXXX and they took our money for both accounts and gave us a better rate.

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 2021-07-27
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been contacting Fed Loan Servicing for over a year now and have spoken to numerous customer service representatives and supervisors. I have received different information from many representatives for what was needed to be done to receive credit for my PSLF payments. 

This year, I have uploaded a PSLF application on XX/XX/XXXX for the United States XXXX XXXX. I served in the XXXX from XX/XX/XXXX - XX/XX/XXXX and have been told to upload additional documents to receive credit for the payments I made while serving. I have been told to upload a copy of my DD214 ( Honorable discharge paperwork ), my W2 transcripts for each year served, an entire history of payments for each and every month while serving with each amount paid, and other documents to receive credit. I have uploaded all documents and keep being told that I still do not have enough information to receive credit. Once again, I have received different misleading information from many representatives along with supervisors that I have requested to speak with. 

I have been paying student loans under the PSLF program from XXXX. I am supposed to only have a few payments left before I am forgiven for the rest. I have been calling Fed Loan Servicing for over a year now and still no resolution and believe that it will surpass my end date for my loans before this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Aargon Agency, 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:
AARGON COLLECTION AGENCY accounts # : XXXX, and # XXXX has violated my rights Under the FCRA and the FDCA. Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE! They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; XXXX XXXX has contacted me multiple times without consent and sent me letters which VIOLATES 15 U.S.C 1692b section 3 that states A debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. After breaking all of these laws and violating my rights I demand justice and for the accounts above to be deleted 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 explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions.

15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorizeXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2021-07-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hello, I tried to resolve this issue with Santander, I was told that they would remove this loan off my credit report, I am ( the co-signer ) in XX/XX/2021 which they seem not to remember? Also the amount due is questionable because, I was told 52 payments were made over approximately {$500.00} per month. This was a XXXX loan they are saying over XXXX is due how can that be when they sold the vehicle and never reporting back to what they sold it for so how could we know was really owed on this loan. Also there was a class action law suite on Santander for misleading customers and over charging customer. We were told that they were supposed to correct this and taken off our credit reports. I feel they they should take blame for their wrong actions misleading their customers and make it right. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: DISCOVER BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Discover loans have been sending me letters for me to apply for a loan different loans. 
I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. 
They ask me to submit a document which was a utility bill I sent a XXXX  electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. 
So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. 
That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved

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