BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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:
My rights have been violated by Experian due to their unwillingness to correct erroneous information on my credit report. I've contacted them in regards to this and they failed to investigate and modify or delete the incorrect information. They are in violation of the FCRA by their actions and by continuing to report without validating the 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I obtained my XXXX XXXX in XX/XX/2019. At the time, I requested a lease ( I have leased countless vehicles over time, including XXXX prior BMWs ). I was provided a " lease agreement '', which the dealership referred to as BMW Owner 's Choice. I was told that this is how you lease a vehicle in Georgia. I didn't think twice. 2.5 years later I went to register the vehicle in another state. That state would not register the vehicle due to the conflict between ( i ) my name being on the title and XXXX ii XXXX the lease structure of the financing agreement. Even if they could register the vehicle, it would have required a full tax payment on the leased vehicle despite only 6 months less on the lease ( since my name was on the title ). Apparently BMW temporarily ( it no longer exists in Georgia ) created this structure to circumvent leasing laws in Georgia, yet neither BMW Financial Services nor Global Imports BMW provided NO DISCLOSURES around the implications of this, including the challenges with registering the vehicle in another state. I am now stuck in a situation where I am unable to register the vehicle. I spent hours on the phone with BMW Financial Services and with Global Imports BMW, even requesting that I turn the vehicle back in early and make the full payments through the balance of the lease term, since I can not be in a possession of an unregistered vehicle. Both entities neglected to get back to me on many occasions, due to their unfamiliarity with the financing structure they put in place that no longer existed. I have now run into a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
as of XX/XX/2022 there has been a dispute in process as to the beneficiary 's property that officially, and illegaly was seized unnanounced and without consumers consent, nor did the seller diclose the neccessary options for a very clear and productive understanding, the sellers direct responsibility 's obligations and duties/of performance to consumers needs, seems to be overshadowed, " the seller and the consumer '' were operating from an open end credit agreement or consumer credit transaction, furthermore by law state and federal law which prohibits this type of misleadeading and very deceptive practices these elaborate mechanisms and schemes as been reported by the cfpb, fdcpa, as well as the the well established congress driven Tila act, Magnuson-moss warranty act and all the necessary protections afforded to consumers and though XXXX continues to identify that kfa as a third partylender/financial institution, and collections, but before party 's engage or become involved, there had to be a '' meeting of the minds '' and clearly consumer XXXX has no knowledge or recollection that would identify, even perhaps show of your existence ( k.f.a ) -kia motors -kia finance, i have no contracts or agreements with 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 2022-05-16
Company: Experian Information Solutions Inc.
State: PA
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/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.

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 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre XXXX trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, Upon reviewing my checking account NO # XXXX Transactions, I noticed 3 transactions in the amount of {$60.00}, {$40.00} and {$40.00} have been charged from my checking account by an unauthorized person then the fraud department filed a fraud investigation. Two days and by XX/XX/23, another amount in the amount of {$750.00} and {$50.00} were again taken from my account by an unauthorized person. Again i contacted the fraud department and they confirmed that they have sent these items to be investigated. I was then told that I will be contacted after 10 business days on their finding and my account will be credited for all the amounts. Then on XX/XX/23, when i contacted the fraud department they told me that they will not be refunding back all the unauthorized amounts. the total unauthorized amounts were {$940.00} The bank then ( Wells Fargo ) told me that due to a 60- Day liability clause. they will not be refunding back the total amount of {$940.00}. I find this incredible and very suspicious to believe so I decided to purse a further investigation in order to get my money refunded. I will gratefully like to hear from you guys. The fraud department phone number is XXXX XXXX FYI too the Ref NO for this investigation by the wells fargo fraud department is XXXX. With this Information i hope you can help me get the truth by talking to wells fargo. my name is XXXX XXXX XXXX and my number is XXXX XXXX XXXX. Please let me hear from 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 2023-10-27
Company: EQUIFAX, INC.
State: AZ
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:
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

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 Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act.

I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX  XXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX XXXXXXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As a borrower, since XX/XX/XXXX I have been struggling to repay my Navient loan off. The original principal was {$2500.00} and the unpaid principal as of XX/XX/XXXX is {$5400.00}. The interest type - ( variable ) with an interest rate of 7.25 %. 

I can definitely say I have been misrepresented and misguided over the years from plenty of Navient workers steering me toward multiple forbearances instead of income-driven repayment plans due to their lack of knowledge and unfair and deceptive practices. I am currently in a forbearance and although my payments are suspended temporarily, the interest continues to accumulate and I am paying more interest on their interest! 

I am struggling to stay float and this is negatively reporting to the 3 bureaus. I have been dealing with this for 18 years and I have received thousands of persistent " robocalls '' yet the center practices to better serve me as the borrower is a complete nightmare. Navient lack of training and customer service shows greatly and navigating through the complexity of this has caused great difficulty. Navient workers are too busy to give personalized advice to the borrower and I am exhausted with them reading from a script and there incompetency. My estimated payoff date is XXXX/XXXX/XXXX. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 the companies of Equifax And XXXX were contacted numerous times regarding the removal of hard inquiries on my credit report. Equifax and XXXX has failed to delete or perform a reasonable investigation of my dispute and have failed to respond. According to 15 U.S.C 1681 there should not be any damages on my report this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Captial One is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. Capitol one customer support was contacted on XX/XX/2023 they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made my loan mortgage payment on XX/XX/XXXX via telephone with a Rushmore Customer Service Representative, XXXX, AGENT ID # XXXX. Upon giving her my Bank Accounts routing number and account number, she gave me Confirmation # XXXX. 

The agent was aware as to why I was making a late payment for the first time! I also told her it was in regards to the ongoing Escrow Insurance Account Discrepancy! 

The agent stated that she would wave the late fee and assured me shed look into the ongoing/unresolved issue with my XXXX XXXX Account since XX/XX/XXXX as well. I never heard back from XXXX. 

On XX/XX/XXXX & again on XX/XX/XXXX, Rushmore Loan Management sent out these letters stating that my XXXX mortgage payment was delinquent! I immediately contacted the lender and i was told that the agent XXXX, ID # XXXX, did not process my payment correctly, yet I was given a PAYMENT CONFIRMATION NUMBER! 

The entire state is absolutely clueless and ridiculously unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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:
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. 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 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 2023-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Hello, I'm filling a complaint against Santander Consumer USA. They know I had a mechanical breakdown recall on my vehicle since XX/XX/XXXX. The vehicle is still @ the dealership waiting for repairs. Meanwhile Santander wants too put a charge off on my credit report knowing this vehicle is still down on a mechanical breakdown. I can't pay for a vehicle and pay for XXXX, XXXX, XXXX  XXXX and a car note for a car that is not running. I live XXXX mi out. I pay for these services now too get to work due too my vehicle being down for the past XXXX. They don't offer refinancing or don't want to help me in any way. Even when paperwork was presented too them on Lemon Law status of " Breach of Contract '' for vehicle. All they want is money I can't provide. This whole delima has caused me a hardship. Due too shady dealings on XXXX XXXX XXXX. This vehicle is declared a lemon vehicle.Santander consumer has set up repossession. But hasn't repo vehicle because they know it's on a mechanical breakdown. Manufacturer is closed for parts on strike rather. I need the charge off removed.They are trying too cause me more issues instead of providing me relief in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: VT
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 have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.

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 2022-05-16
Company: Experian Information Solutions 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 XXXX  Account # 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