BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: TN
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 opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX BLANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX  BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX XXXX REPORTED {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXX XXXX REPORTED {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX XXXX XXXX XXXX REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX  XXXX XXXX XXXX XXXX XXXX REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/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 2022-12-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Due to my purchased vehicle being damaged and undrivable, I contacted the dealership ( XXXX XXXX ) to activate my gap insurance and trade the car in for another vehicle. During this process, I spoke with XXXX XXXX ( salesman ) and XXXX XXXX ( manager ), employees of XXXX XXXX, who invited me to the dealership to pick a new car and workout a new deal. So, I secured a ride on Sunday XX/XX/2022, to visit the dealership. After test driving a few cars, I picked the one I wanted and was told that arrangements will be made for that Tuesday XX/XX/2022 ( because Monday was XXXX XXXX ), to have a mechanic from the dealership go inspect the car and possibly fix it, or have it towed back to the dealership. Unfortunately, it rained the day of pickup and the day after, so they canceled the pickup arrangement due to safety concerns. Since then, it has been difficult to reach anyone from the dealership to confirm a new pickup day for the car. I informed Ally Financial of my dire situation, that I am handicap and need the car for daily transport to and from work to maintain my employment, hoping they would help, but they just told me to contact the dealership. So, I again reached out to the dealership for a solution, and I finally received a call on XX/XX/2022, from a XXXX XXXX named XXXX, who said she was authorized to offer a {$1000.00} for the car, which would have voided my gap insurance ( per the contract ) and I would still owe Ally Financial Inc the balance of the total car amount, plus will still have to buy another car. That solution just was not adequate and completely unfair to me. This led me to re-review my contract to see if there was a warranty or something that I could enforce on the car. I noticed there were some TILA ( Truth in Lending Act ) and Consumer Bill of Rights violations committed by XXXX XXXX that voids the terms of our Retail Installment Contract. According to the contract, a written certification that the car was in safe & working condition at the time of purchase is required by NY State Law, but none was provided. This certification was supposed to be a guarantee that the car is in safe & working condition, and the dealership would be held responsible for repairs or pay in full for repairs of any unsafe condition in the car. But because no such certification was given to prove the car was in safe & working condition, they are still liable for remedy according to the contract. 

I sent letters to both Ally and XXXX to rectify the situation, but they have yet to respond to my 14 day deadline, and it's now been 30 days without a response. So I accept their silence as agreement to my demands and voidance of the contract.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-08-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
Wakefield and Associates XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of 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 2022-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a dispute with Experian about a collection on my report that was under request for validation from a debt collector ( XXXX XXXX ). Experian then proceeded to start an investigation with the debt collector. On XX/XX/XXXX Experian updated the dispute and stated that the debt collector verified the debt. However, this is not correct regarding the validation process. The debt collector failed to validate the debt by XX/XX/XXXX the validation deadline WITH a signed contract that states I am the bearer of the debt. Along with the California state license number to collect debts in the state that I requested. Along with the proof that they are the official owners of the debt. The debt collector sent a debt verification that contained details of the original creditor and my name and address. That is not enough information to prove validity. This debt is not mine and they have yet to provide adequate proof for it to be on my report. The Debt collector failed to provide all the information I am entitled to within the allotted 30-day window. As stated under the Fair Debt Collection Practices Act. ( FDCPA ). As such I would like Experian to take down the collection within 30 days if they can not provide time-stamped proof from the debt collector ( XXXX XXXX XXXX ) that I received a proper debt validation with my signature and their CA license number to collect debt in the state. This would also include paperwork on how much they paid for the debt. I would like all the documents that were provided to Experian in the investigation to see if they coincide with what the debt collector sent 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 non-monetary relief
Consumer complaint received 2020-07-17
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My original request did not include specific documentation to Microbilt/ PRBC. I have attached them here, now. Also, to let you know, I am looking to find out If you have a file for me. Recently when I requested a report from another agency only to find Erroneous data of others Intermingled with mine. Thus this is why I need to see what you may have on record for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I need for everything that I disputed too please get removed and I never opened anything or apply for anything so remove it

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 2022-12-01
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 a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts XXXX XXXXXXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than XXXX XXXX 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: SC
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. 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 XXXXXXXX XXXX XXXXXXXX : # XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION : # XXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: EdFinancial Services
State: NH
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:
XX/XX/XXXX - I called EdFinancial and submitted a request for a {$5500.00} student loan as part of the CARES Act. My address was never confirmed and I received no confirmation of the request. 

XX/XX/XXXX - Loan balance is updated to show {$5500.00} on my EdFinancial account. I reached out to Edfinancial who says my refund request was submitted to XXXX and should arrive soon. 

XX/XX/XXXX - I still have not received the refund check in the mail. I reach out to Ed financial to notify them I have not received my funds XXXX - Ed Financial replies saying the funds will be sent according to Department of Education timeline. I call to inquire about this timeline. EdFinanial states there is no set time frame for this and says to " expect delays in receipt of funds '' even though it was XXXX and my request was submitted in XXXX XX/XX/XXXX - I email EdFinancial and ask for my refund request to be canceled since I still have not received funds. They state they can not cancel the request, yet have no timeline on when I will get my request. I then submit an initial complaint to CFPB. Complaint # XXXX XXXX - After my complaint, I received a letter from EdFinancial stating my return was canceled due to an incorrect mailing address, despite not notifying me of this prior. They then verified my address and on XXXX " removed '' the request payments from my account ( even though the balance had already been on the account for months ) and said they are processing my request and to please allow 45-60 days for my refund to be processed and issued to me by XXXX. 

XX/XX/XXXX - It has now been 74 days since this stated timeline and I still have not received my check or any updates from Edfinacnial. With the blockage of student loan forgiveness, these loans will soon begin to create interest and require payments. I will actively have to pay a loan for which the funds were never disbursed. Edfinancial is offering no solutions and it has now been 207 days since I initially submitted my request. My loan balance was also updated 6 months ago despite never receiving the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called nelnet on XX/XX/XXXX to request a refund of a qualifying payment made in XX/XX/XXXX. ( I made 2 payments that month, I believe only 1 qualifies for the refund ). I was told that this request would take 4-6 weeks to process. 
I called nelnet again on XX/XX/XXXX ( after more than 6 weeks had passed ) and was told there is no way to check the status of my refund, there is not timeframe for refunds being completed, but that I should go ahead and submit my application for the debt relief when the application goes live and that it will not have an affect on my receiving the refund. I submitted my debt relief application on studentaid.gov when it went live. 
Others online are stating they received the opposite information from Nelnet, so now I am concerned I will not receive my refund if the debt relief is processed before the refund is issued. I have not heard any further information from Nelnet, and I have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Commonwealth Financial Systems, Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: PA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a personal loan from this company on XX/XX/2021. Per the company policy provided to me at the time I applied for the loan, I called on XX/XX/XXXX, 3 business days before my next repayment due date, and requested to revoke ACH authorization. I also sent the company an e-mail, and was told to call to discuss the account. I called, each representative I spoke to never introduced themselves or identified the company name as " Fox Hills Cash. '' Finally, I was transferred to an account manager, named " XXXX. '' When I asked to revoke ACH authorization, his response was " oh so you don't want to pay us. '' He then proceeded to say " You people always borrow money and refuse to pay it back. '' At the time I made the call, I had not missed any payment. He then threatened that if I did not allow them access to my bank account, they would report to all credit bureaus, and say I defaulted on the loan. Shortly after, my account was placed in collections. When I called them back to ask why me revoking ACH authorization automatically places my account in collections, I was told " that's just how it is. '' The company does not accept any electronic payments, not RCC and I can not call in to make a payment with my debit or credit card. I am fearful about them having my bank account information, and I do not like the way they handled this situation. I never received any confirmation that ACH authorization was revoked and I was bullied by this company just for requesting to remove authorization for them to automatically charge my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation