BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than 4 business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2022-11-26
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with the trans union, XXXX, and XXXX concerning XXXX bankruptcies on my report each XXXX XXXX came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. XXXX requesting form each company to delete this from my file if they cant provide me with XXXX information.

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 2018-10-18
Company: EQUIFAX, INC.
State: MS
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:
Affidavits Attached XXXX XX/XX/XXXX-XX/XX/XXXX v. XXXX  XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and XXXX, and Equifax in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX : XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX  report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Telsa Motors Inc
State: NY
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:
When I returned the car after the stipulated lease time, Tesla charged my bank account with no information about the details. I wrote to them 3 times and there is no response. It is very difficult to get information by phone. 

Before returning the car, Tesla asked my provide detailed pictures of the car. They estimated {$200.00} of curb rash and sent me an invoice for {$1000.00}. This included {$200.00} curb rash, {$360.00} deposition fees. I did not understand the rest but I was told that I will be provided more information. 

When I returned the car on XXXX XXXX, Tesla informed me that I will charged {$3800.00} with no information at all. Upon returning the vehicle on XXXX XXXX, Tesla also revoked my access to the portal without any notice and hence I lost all the lease related documents. 

On XX/XX/XXXX, Tesla charged my bank account for {$3800.00}. 

I wrote to Telsa on XXXX and on XXXX with no response at all. This situation is very frustrating as there is no additional, or access to any documents to understand the charge. Moreover, Tesla had the time and details to review before the return of the vehicle. They only informed me about a curb rash for {$200.00}. They had time to review on XXXX XXXX when I took the car to them and failed to do so. Because if there were issues, then I could have solved it with insurance. My actual lease end is XX/XX/28. Tesla charging my bank with XXXX times more than the original estimate of {$200.00} with no information and without giving me access to cure it seems outline of line and a overreach of a large company on a consumer. Also, Tesla can not without notice revoke access with no avail access financial documents and contracts. 

Car VIN number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by TRANSUNION for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with TRANSUNION per Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. XXXX XXXX XXXX ) for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.

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 2018-12-13
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2016 I opened an account with Wells Fargo. In XXXX I received a statement reflecting a " past due '' amount which was double the monthly payment. I contacted Wells Fargo and advised them that I never received the first statement and that was the reason why I did not make the payment. Wells Fargo removed the late fee and I made the payment ( two months ). Approximately two years later I received a copy of my credit report and noticed that Wells Fargo reported a " Late Payment '' for the XX/XX/2016 payment. I filed a complaint through XXXX  and requested that Wells Fargo remove the " derogatory '' entry made with the credit bureau, they declined. I filed a complaint directly with Wells Fargo, they declined as well. In XXXX of this year, I applied for a mortgage loan and my credit score was significantly affected. I contacted Wells Fargo once again and filed a complaint with their " investigative unit '' and they also declined my request. Wells Fargo has negatively affected my credit and has reported a false " late payment '' which has caused me to face a higher interest rate in a home purchase which will close in 45 days. Wells Fargo has no proof that I received the statement, nor can they prove that I refused to make that payment. 

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act, XXXX Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : 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 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}

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 2023-07-28
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX, XXXX , XXXX . XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2021-09-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I Consumer XXXX On XXXX I sent in payment via certified mail with postal money order and remittance coupon citing UCC 3-603B to NC STATE EMPLOYEES CREDIT UNION headquarters at XXXX XXXX XXXX XXXX, NC XXXX For credit card account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Bridgecrest Acceptance Corporation
State: CA
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:
This is my fourth complaint for the same matter. I purchased a car from XXXX in XX/XX/2021. The financing was provided by their sister company, Bridgecrest. I paid off the loan in late XX/XX/2021and I still do not have a title. Please don't close this complaint until the matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
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 have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2019-01-17
Company: GREAT LAKES
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2008, a Parent Plus Loan was disbursed with me as the co-signer. The problem is that on that date I was a minor. I was only XXXX years old at the time and therefore I was legally unable to cosign the loan. My signature is of no value. It was the responsibility of Great Lakes to run my social security number and deny my co-signing before securing the loan. Not only is this unethical but it is illegal as well since minors can not legally cosign for loans. This was a mistake on behalf of Great Lakes and it needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX I noticed that there several hard inquires in my credit for XXXX car dealerships. I also noticed that someone tried to apply for a mortgage as well.

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 2023-09-20
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: Public record information inaccurate

Complaint:
I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy TransUnion states they verified it but I sent TransUnion a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through 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 2021-09-18
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
General Revenue Corporation sent me a letter on XXXX stating I owed them for a tuition bill for XXXX XXXX University. I wrote General Revenue a letter informing me that I never attended XXXX XXXX or try to attempt to attend XXXX XXXX. I requested General Revenue Corporation to send documentation that I agreed to attend or any contract with my signature. General Revenue only sent me an invoice on XXXX. General Revenue do not have any documentation to hold me accountable for this account ( account number XXXX ). General Revenue has violated the Fair Debt Reporting Act after I contacted them and inform General Revenue this account does not belong to me. Please keep in mind, I never step foot on XXXX XXXX University campus. After graduation, I got a job to help my family to stay afloat after the passing on my grandmother. General Revenue has made it hard for me emotionally. I need this negative account gone from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: OH
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. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX  XXXX Last reported XX/XX/XXXX {$20000.00} 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 2023-05-15
Company: Experian Information Solutions Inc.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 


* 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 2018-04-28
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX I mailed a letter to Great Lakes stating that I can not afford payments of {$130.00} due to my current financial hardship. I told them I could only afford to pay at least {$75.00}. They responded back with a letter stating that they are unable to make any changes to my account and that I have to stay with my payments of {$130.00}. I then filed a compliant with them and I was told the same information that I have to keep my monthly payments at {$130.00}. On XX/XX/XXXX I mailed them a letter stating that my financial situation has not improved and that I need to stop my payments until I can afford them, which will be in the next year or too. I am trying my best to communicate with Great Lakes but they are no help to my financial situation at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation