BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Mercedes Benz Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My wife and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX , NJ. The lease was through Mercedes-Benz Financial Services . We decided to purchase the vehicle and received the payoff letter from XXXX on XX/XX/XXXX. We followed all the instructions and overnighted the check ( along with a package which included an odometer reading, copy of Florida drivers license, special Florida mailing instructions, a copy of the payoff letter, a Florida payoff checklist, a copy of our auto insurance, a signed Florida Power of Attorney/Odometer disclosure, a signed lease end inspection summary, a copy of the Florida vehicle registration, a signed certificate of emissions and the titling instructions ) for XXXX within the 10 day window. The check was mailed overnight on XXXX XXXX, XXXX, tracking number XXXX, and they cashed the check XX/XX/XXXX. We also included a separate check for XXXX made payable to XXXX XXXX and XXXX per the instructions from XXXX financial. This extra fee that XXXX XXXX requested was so they could register the vehicle in our name at our current Florida address. We were originally told that we would get the title in 10 to 14 days so we requested that it be sent to our NJ address. After not receiving the title by XX/XX/XXXX, we updated the request to have the title sent to our Florida address. We have contacted XXXX XXXX weekly by phone every week for the last XXXX months because we have yet to receive our title. On each phone call we are promised that the title is forthcoming. One of the excuses that we were given was that a title mistake was made when we re-registered the car to our Florida address in early XXXX. They blamed this on us (!! ) but this was also a problem with their title department... we did not initiate a title change at that time! 

It has been over over 15 weeks since we sent them our check and we have not yet received the title as of yet. In fact the last conversation we had with them on XX/XX/XXXX, we were told that we would not be getting a title in our name, but would be getting a payoff letter so we could register the title ourselves. This seems odd because we already paid XXXX to Sunstate Tag and Title and included that check ( per MBFS instructions ) in our payoff package sent to Mercedes Financial on XX/XX/XXXX. 

I have attached XXXX pictures showing the checks that they cashed and the receipt from our overnight package to them on XX/XX/XXXX. I have copies of all the other documents but they exceed the 10 megabit limit to upload with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-07-03
Company: EQUIFAX, INC.
State: NV
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 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 XXXXXXXX XXXX, have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
not removing collections as well as unauthorized inquiries on consumer 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 2020-08-16
Company: Moneytree Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had an emergency and I went to MoneyTree asking for a loan, the guy thatassist me asked me to sign my contract, he didnt mention the interest rate, until I sign my contract, Now is becoming very dificult to pay every month. can you assist methank you so much

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 2022-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The company, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged 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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing this complaint to CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: LEXISNEXIS
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 the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. I will not accept another reinvestigation of the information Only deletion of the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Today I tried to use my Vanilla Visa Giftcard at XXXX  and the card declined. I tried to check the balance online and it said there was an error and to try again later. I called customer care and checked my card balance and it was just loaded and had {$75.00} on it. I couldnt understand why it would decline so I stayed on the call but non of the automated responses matched my problem and there was no real representative. My card is activated and still declines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is reporting this information and I need this DELETED immediately. Other bureaus have removed this account. They are reporting two separate account numbers with two different balances. They are reporting wrong dates and erroneous information.

I have repeatedly asked this collector to verify this debt. Fifth time and nothing has been validated to what is needed as verification. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights. 
Remove fraudulent accounts from my credit report. I am trying to get my approval and this account is holding me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, 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:
Santander Consumer USA is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX Employee ID # XXXX on XX/XX/2022 at XXXXXXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXX Department and she would call me back when she hears back from them, approx. in XXXXXXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX department but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXX department and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.

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 2019-09-24
Company: Collins & Hilton Asset Group, LLC
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: Account information incorrect

Complaint:
Collins Asset Group is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX XXXX. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX 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

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 2022-03-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, XXXX, following a miscommunication between my bank, Wells Fargo, and non-Wells Fargo ATMs abroad ( XXXX ), which resulted in money being mistakenly deducted from my Wells Fargo checking account, in the amount of {$1800.00} ( based on several attempted transactions in which my card was denied and I did not receive funds, but Wells Fargo thought I had ), I immediately contacted Wells Fargo to resolve the issue. After detailing the case, their Fraud department initially reimbursed me 100 % of the funds in question. A couple of weeks later, {$1000.00} of the money initially reinstated was reversed. When I called to inquire why, I was told I needed to sign a form that could not be emailed but only sent to my permanent address. I was also told I could resolve the issue upon returning to the US. In fact, both of these details were incorrect and misleading. The supposed form I need to sign was never mailed, and never emailed. I still do not know what the form is in reference to. I followed up on this matter at the first opportunity I could, following my return to the US, on XXXX XXXX XXXX. At this time, I was told that XXXX XXXX 120 limit had expired and the remaining funds owed to me could not be reinstated. Hiding between this outside technicality, at no point in time was I told why the funds were ever removed from my account. Nor whether Wells Fargo was able to recover their money from XXXX ( as far as I know they were able to recover 100 % of the funds, and my money became a source of profit for them ). In XXXX, XXXX, {$500.00} mysteriously appeared in my account, presumably an effort by Wells Fargo to placate me and encourage me to drop the issue. I am shocked and appalled by Wells Fargo poor communication, lack of transparency and lack of customer care in this instance. Despite extensive dealings with their Resolution Team, and no fewer than three separate escalation complaints, I have been consistently told there is nothing they can do and it's a closed case. Last week, I informed them that I would be taking alternative action to resolve the matter and recover the money they still owe me - XXXX - plus damages.

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 2022-11-23
Company: Experian Information Solutions 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:
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 : Account # XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1861c ( a ) ( 5 ) Section State : 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 1861s-2 ( A ) ( 1 ) A person shall not furnish any information remaining 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