BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Mercedes regarding late payments reported to my credit that are in error, they agreed to give me a deferment in XXXX. I made the payments in XXXX and XXXX on time and before it was 30 days late. They reported it late in XXXX with XXXX and XXXX and in XXXX with XXXX. This is not correct my payments were made on time for those months and I have attached proof, along with a letter and proof sent to Mercedes.

How they are reporting this is incorrect and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i, my name is XXXX XXXX, i have a saving account with td bank at first when i realise that my card was not working i went to talk to the manager if they can provide me with a new card to access my funds, they say they couldnt help me that i have to come back an another time and as well the system is down so they basically cant access my account. 
so when i went back in two weeks of time the lady that was helping me was very rude, telling me all kind of excuses but at this point i have to remind her that my phone bill is due as well as my rent and i have to taking care of that issues as soon as possible. so after a couple a minutes of looking at my account and passing some phone calls she reach out to me and let me know that td bank do not have my account and i have to go and check with the office of the new york state comptroller ( for unclaimed funds ). 
at that point i told her that i dont know what is the unclaimed fund and i dont have no business with them and if the bank can help me claim my account. she says that i an on my own and the bank cant help. After i visit the website she gives to me and call the state comptroller, i realise that i was being scam and the bank never foward my account the the state comptroller to be claim by me. i am i need, i need my refund so someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: OH
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in response to a recent complaint that was filed. Please reference complaint number XXXX. Experian has stated that the information was verified with a furnisher/vendor company. This is an incomplete investigation. I do have paperwork from XXXX XXXX and the Bankruptcy Federal court that proves no bankruptcy information has been released to anyone. The information on my credit report is still inaccurate. Please note : XXXX coding is not a reasonable means of re-investigation. Please reference the established case laws XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I am formally requesting the description of the procedures used to determine the accuracy and completeness of the disputed information, including : * the business name * the full name of the individual whom you spoke with * the full business address * and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ).

Negligence or willful disobedience to this request will prompt my immediate pursuit of legal remedies protecting my consumer rights including up to {$1000.00} in damages per account. I look forward to an expedient resolution of this matter. Thank you.

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 2023-11-02
Company: ALLY FINANCIAL INC.
State: MS
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:
XX/XX/2023 mutiple inquiries came onto my credit report and days after to and i think someone has my social security number and trying to get things in my name.

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 2023-11-02
Company: LendingPoint Holdings LLC
State: NC
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:
I never authorized these XXXX companies the rights to pull my credit. I don't recognize any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I sent in a letter stating that I am a victim of identity theft and have filed a police report pertaining to the inaccurate items on my consumer report. 
That XXXX tracking number is XXXX. 

A copy of the letter has been attached to this complaint for your reference. 
This letter serves as explicit written permission to remove the items in question from my report. I did not authorize these activities and am requesting that they be blocked from my consumer report as soon as time permits. 

I mailed this same letter with signature confirmation and the above-mentioned tracking number reflects that my letter has been received by an authorized representative of your company. 

Failure to comply shall lead to further complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General as well as legal action being commenced as a result of your companys unlawful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
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 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, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I sent a payment for home owners insurance for 2023. I accidently wrote check for {$1000.00} over the amount required to Wells Fargo Home Mortgage. They refuse to refund me the money and said it was placed in escrow. I told them I wanted a refund after speaking to numerous customer service reps on the telephone, and they all refused to do so. 

Mortgage with Wells Margo Home Mortgage in name of XXXX XXXX, Loan No. XXXX, address of property is XXXX XXXX XXXX, XXXX XXXX, Tennessee 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 monetary relief
Consumer complaint received 2022-04-21
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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 ( Original Creditor : XXXX XXXX XXXX  ), # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2018-05-04
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I obtained a student loan in XX/XX/XXXX as a teenager on my own in order to go to art school. I completed and graduated from art school in XX/XX/XXXX and was successful in my field early on, but the technology changed quickly and my skills were soon outdated.

I originally borrowed approximately {$20000.00} for a two year program, but not long after graduation, I was no longer employed in the field and my school did not honor its promise that they would continue to help with employment after graduation. 

I was employed, but struggled to continue to pay my student loans and my XX/XX/XXXX, I had defaulted and lost everything. I moved back home and was able to get back on track paying my loans and decided to go back to school at University XXXX XXXX XXXX. None of the credits I had earned at XXXX XXXX XXXX   XXXX were transferable to XXXX, so I had to start completely over on my XXXX degree, even re-taking the prerequisites. While I was a student at XXXX, my loans were on deferment, gathering interest for 6 years while I studied for my XXXX degree. I did not use student loans for my XXXX degree at XXXX. 

I graduated from XXXX in XX/XX/XXXX and had a baby in XX/XX/XXXX. Needless to say, that making my student loan payments was the least of my worries. I defaulted on the loans with Sallie Mae and was able to get back on track with my payments after my divorce in XX/XX/XXXX. But by that time, my loan balance had grown from my original {$20000.00} to almost {$80000.00}! 

I am paying my student loan now under the income based repayment plan, and I am a single parent, so it is based only on my income. But, I have not managed to make a dent in the loan after all these years, and I will be paying for this mistake until I am at least XXXX years old. I can not buy a home because Sallie Mae is still reporting on my credit report, even though they no longer service the loan. 

I requested my original loan documents from Navient from when I first signed back in XX/XX/XXXX, but Navient could not locate them. I have tried before to settle this matter and reduce the debt so that I could eventually pay it off, but my requests fell on deaf ears. I have been wronged and not given ample resources to pay this off. It seems incredibly unfair to try and repay over {$60000.00} in interest charges. I know that I made some mistakes in my youth, and I am willing to pay what I originally signed up for, but I am sick of being punished!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX  XXXX dispute representative that I had XXXX, lost a family friend and faced financial hardship losing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a goodwill letter and supporting documents, then they would notify credit bureaus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, Consumer XXXX XXXX am filing this complaint against Experian and XXXX XXXX XXXX for inaccurate reporting of the account. Please see attached for more 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 explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 called Transunion to report these false inquiries that were unknown to me and asked them to remove them and they wouldnt. I told them that they were done fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
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:
Unauthorized hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: American First Finance, Inc.
State: AL
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX  XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has been asked to validate the XXXX account on my report and has not done so in over 30 days. I feel neglected, unheard, and mistreated seeing has this is not my first or second attempt in getting this account off my 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 2023-05-10
Company: EQUIFAX, INC.
State: NY
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 sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX XXXX credit bureaus XXXX told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX XXXXXXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.

Company response to consumer: Closed with explanation