BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

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 2021-05-28
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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:
During the height of the COVID pandemic my auto lease with Ally financial was extended on what was supposed to be a lease extension through the COVID crisis. When I spoke with the company they had indicated that nothing was needed on my end to extend the lease. The company had been taking my payments out of our account automatically, but because of the extension during COVID they had terminated this automatic payment deduction without informing us. I had called the company several times after I found that they had reported my lease payments as being late. Due to the fact that we were in the process of buying and selling a home, after repeated lengthy calls with Ally were led to believe that paying the account in full would resolve the negative report against our credit. Even though the account was paid in full, even paying an amount I did not feel was due, the Serious Delinquency against my credit was not removed and it is causing us financial strain and limiting our ability to obtain an affordable mortgage. 

We had been leasing through Ally for 6+ years and never once had a late payment until this confusion and miscommunication they caused during the height of this pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my wife went online and used my credit card to enroll our kids in a swimming school called XXXX in XXXX XXXX, CA. She paid {$230.00}. The next day, on XX/XX/XXXX, she decided to enroll them in a different swimming facility so she used the XXXX chat system to unenroll them and get a refund. She was told via chat that they would unenroll our kids, but that the charges might have gone through and they would contact the elk grove location about getting a refund. The school and the franchise both have the same policy about getting a full refund if we canceled within XXXX hours. XXXX called my wife and she was told that the owner would not give us a refund and that she would only be given credit because our kids took up a spot that could have been reserved for someone else. However, they had immediately withdrawn our kids from the classes and those spots were filled. They admitted that was a mistake on their part, but they would still not give us our money. She tried working with them for about a week, but they would not return the money. There are no chat transcripts and she did not record the calls. She decided to call citi, with my permission, to dispute the charge. She called multiple times and provided screenshots of the policy. They did reverse the charge at XXXX point but then decided to charge my wife again and agreed with the merchant. She was really confused on why they had agreed with them ; the citi representative had even told my wife that the merchant had told citi that she had canceled the next day and that would be more proof that she followed the policy. Another representative said that my wife should have written an email saying that we didn't want the credit even though it wasn't made clear at all that she had to do that. Why would we dispute it if we wanted the credit? They eventually kept " opening '' and refusing the refund until they said it was " too late '' to do anything even though my wife contacted them a week after it had occurred. The representatives even said themselves that my wife should get the refund. My wife and I have no problem/give permission to let citi release the recordings of all our phonecalls. My wife has not stepped foot in the safesplash facility ( she hasn't even seen it in person ) so this place has taken off with our money. There are several complaints on this company about their billing practices and that they charge people without letting them know and refusing refunds. We just want them to follow their policy. If their policy had stated from the beginning that there was no refund, we would have had no problem.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2019 My vehicle loan was paid off early. I had acquired XXXX insurance. I never received the balance that I was charged on the loan. Contacted Wells Fargo and they said they're not responsible for the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The car ( XXXX XXXX XXXX ) has been put in service 4 times in 5 months. My first issue was within a week of my purchase. The vehicle was leaking tons of water into the floorboard of the passenger side. This issue also cause the tracker for the vehicle to go bad and caused the vehicle to not start at random. The second time being serviced was for the rocker arm lifters on the right side of the motor. The 3rd time was one week or so after picking up the car the lifters on the left side of the motor started going bad and I had to return the car to service once again. Just a few days within picking up the car for the 3rd time my wife was driving the car and the car put its self in park while she was driving and the car immediately started leaking gas from the back side of the motor. This issue put the car out of service completely. This issue I feel like was caused by the technician who serviced the car. I feel that the repair was rushed and possibly a gas line linked to the motor was not completely fastened and came loose. I have been patient with the dealership and have been understanding until now. I have drawn the line. The car throwing its self in park due to this fuel line issue could have caused someone to be hurt if not killed. Luckily my wife had not made it to the highway before this happened. The car could have put its self in park while doing highway speed limits. The warranty department has no concern. XXXX XXXX, the head of warranty didn't care about the issue at all. After a few days and a second phone call he offered to have the car towed and looked at. 4 repairs in 5 months is unacceptable. I have made ALL of my payments on time. At this point I want to be able to walk away from the car without any strings attached and any negative hits on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 between hours of XXXX and XXXX XXXX  I started receiving email notices that withdrawals were being made out of my Cash App account. There were 5 withdrawals totaling the entire amount in the account of {$2600.00}. The email stated that withdrawals were taking place at a XXXX store in XXXX XXXX. I was XXXX XXXX  at the time while my debit card was locked up at home in XXXX, XXXX. I'd never shared my account information with anyone so obviously I was puzzled and completely taken aback by my account being drained of all the savings I had in a matter of minutes. When I got back to my friends house I looked up Cash App website for support to try to retrieve my funds. Unfortunately the website support number provided was the actual scammers who got my checking account information from me and cleaned out my XXXX XXXX account. ( XXXX XXXX replaced the scammed monies ). I finally got a number from my employer who was paying me through Cash App. Ultimately Cash App closed the investigation stating that I had violated their policy and they would not reopen the investigation. It was just last week that sent me information about their policy but they still never made it clear to me what policy I supposedly violated. I'm still confused as to how I may have violated a policy that make this fraud ( Stealing my money from my account ) unqualified for proper investigation and my account made whole again. Detective XXXX XXXX of the XXXX Police Dept. surmises that an actual card was used which might be their claim He also theorized that I used the card at an ATM with a device attached which stole my card number and pin then duplicated the card. I only know that I never shared my information with anyone. That I was in XXXX XXXX  at the time and my card was home in XXXX XXXX. I still have the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Late one night about six years ago, we rushed our XXXX cat to XXXX XXXX XXXX XXXX in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a XXXX application under our noses, which we signed under duress. 

XXXX, also known as XXXX XXXX, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. XXXX  has been investigated by the New York State Attorney General and in XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX   XXXX but insisted he could " catch it '' by putting the cat under general XXXX and removing part of his XXXX. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XXXX I was having difficulty making the payments and called XXXX to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to Midland Funding, LLC a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " XXXX XXXX'. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, Reason Code : Violation I have been informing Equifax in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from Equifax in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

XXXX is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX  s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously opened a complaint against XXXX XXXX concerning a debt that Affirm has stated that I owe. The response to that claim was as follows : XXXX received the account on XX/XX/XXXX. The account was recalled by Affirm the next day, XX/XX/XXXX. XXXX did not initiate collection activity and did not send a letter because the account was recalled almost immediately after it was placed with XXXX You called XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The representatives each verified that the account was no longer with XXXX XXXX did not and will not report the account to the credit reporting agencies. What we are doing to help We contacted Affirm regarding your complaint. As of the date of this response they are still investigating why they believe the account is with XXXX when XXXX records indicate it was returned in XX/XX/XXXX, nearly XXXX ( XXXX ) years ago. We recommend you contact Affirm with any additional questions regarding the account. XXXX apologizes for any misunderstanding or inconvenience. If you have any additional questions or concerns regarding our investigation, you can contact XXXX directly. Our contact information is below. Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector I have reached out to Affirm several times for over four years and the company can not tell me or verify the debt. This account has been damaging to my credit after years of trying to resolve the issue with no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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 : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 XXXX 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 explanation