BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: MoneyLion 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We had recently made the decision to relocate outside of the US and subsequently need to end our leased vehicle contract 15 months early. We accept there is a penalty for doing this and were willing to pay all remaining lease payments and the final balloon payment. 
We approached XXXX to value the vehicle and agreed to sell it at the price quoted, but when they tried to get a closing payment information from US Bank, US Bank used every excuse they could not to provide any information and refused to have a conference call with myself and XXXX to address any issues they may have. 
I was informed of these actions by XXXX and contacted US bank myself. Unfortunately, after 3 attempts and being cut-off by the bank 3 times i was able to get through to the Lease department. I was informed that as there were still more than 12 months remaining on the lease with the account locked and nobody would be able to provide me with any data. I referred to the lease contract where there are no stipulations regarding a minimum 12 month period. To which the response was, an early termination is considered a reposession and we would be in default of contract. I responded referencing the early termination clause for which there is no reference to a 12 month timeframe and advised their automated system provides a closing number to customers, so surely it couldn't be that difficult! 
After some discussion i was advised that i would only be able to purchase the vehicle myself and the title documents would be at least 6 weeks to be processed. When pushed to understand why they would not allow the sale to XXXX i was advised they would only consider it if we were to purchase of another vehicle. 
It was clear this conversation was going nowhere so i requested the number to make a formal complaint, i was given a number that does not exist or be accessed. 
I subsequently called US Bank customer services three times and requested to make a formal complaint and on each occasion the phone line was cutoff by US Bank.

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 2021-01-21
Company: WELLS FARGO & COMPANY
State: MD
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:
Wells Fargo Dealer Services has sent my private account information to the credit bureaus without my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private account information to any report sent by a creditor who is also violating my privacy rights by sharing my private account information without my consent. Therefore, I demand that this account be removed immediately from my credit 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 2021-02-06
Company: Atlanticus Services Corporation
State: LA
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:
XXXX XXXX Debit from my checking account XXXX  XXXX XXXX Debit from my checking account XXXX I have talked to the credit card company on both times. was told that I sch. the payments for payment I disputed their statement. I have no idea who their agent is but someone needs to be held accountable there has to be laws for this person has done toi me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: AZ
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:
Submitted a request in XXXX to have the barclays account removed, but I am not sure why it wasnt removed, maybe a misunderstanding. I have no financial obligation to the account since I was only a authorized user, not the account owner. The dispute has been in place for over 30 days and they have failed to remove the authorized user account in a timely, efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

OnXX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

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 2021-02-06
Company: VW Credit
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes. 


XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fedloan - In 2017 a began a XX/XX/XXXX program. I did not realize this would start a forbearance. I called fed loan in XXXX ofXX/XX/XXXX the day after the payment did not post and learned of the forbearance. I spoke to an employee who told me I could have the forbearance removed, and I should continue maling payments as they wouldstill count to my public service loan forgiveness. I immediately sent in the form and continued to make payments. 
I have been trying since then to have not only that payment, but the next 3 payments count towards my total payments. I requested a review in XXXX and was told it would be addressed in 90 days. Today when I had a chat conversation with a fed loan employee. XXXX, she told me it was a minimim of 90 days. I am within a year of meeting 120 payments, and I still can't get this resolved. 

Additionally in my numerous phone calls to fed loan I have been told I would definitely qualify for TEMPSLF by one employee, and that I absolutely would not by another. 
This has been an extremely frustrating process. 

Beyond that, when I first graduated and tried to enter the program XXXX XXXX told me I was in and there was nothing I needed to to. After a year of this, I spoke to someone who informed me that was incorrect and I needed to consoldate my loans. It took 6 months to consolidate my loans and get into a qualifying plan. So I lost a year and half of payments due to misinformation and mismanagement. The payments I was making were larger than income based payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
At the end of my Kia Finance lease XX/XX/2017 they attempted to charge me for wear and tear for {$680.00} even though I had purchased an insurance plan to cover any of these expenses when I originally leased the car. After pointing this out to Kia and sending them a copy of the insurance plan they told me not to pay any charges until they finished their research. After 3 months they charged off the {$680.00} and did not contact me. My payment record was spotless. All of my credit history is outstanding.

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 2018-02-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

On XX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to myXX/XX/XXXX inquiring. XXXX acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

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 2019-02-20
Company: EQUIFAX, 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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Southern Management Systems Inc.
State: TX
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 communications to Southern Management Systems dated back to XX/XX/2017 in regards to an alleged debt the company. In every request I have submitted to the company, I have asked the company to verify that I am bound to do business with them. They have constantly submitted the same documents from wherever the debt was purchased from, and in none of these documents is there a mention of Southern Management Systems. On top of the company 's failure to verify, I was told in the last letter received that the company would not send any further correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a copy of my " Equifax '' credit report in the U.S. mail. Yet on it was a " False '' debt notation under the " Credit Management '' section of " Page 5 of 36 '' that incorrectly stated that I owed " $ XXXX '' to some unnamed " Cable/Cellular '' company effective " XX/XX/2020. '' I have NEVER owned a " Cable '' T.V. NOR owned a " Cellular '' ( cell ) phone.

This " Debt '' is NOT mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Around XX/XX/2020, I was sent money from my uncle to help pay for bills and other living expenses that I had at the time and PayPal limited my account and asked for specific info and documents to verify my identity at which point in time those things were provided without delay. A few days later I was informed that I could no longer use their services and that I had to wait up until 180 before I could receive my funds. Fast forward 180+ days and no one at PayPal can tell me anything as to why I still cant get my money after 6 months of being inconvenienced already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
I had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.

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 2020-08-28
Company: CITIBANK, N.A.
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:
I have a loan with XXXX XXXX, BESTBUY/CBNA, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BESTBUY/CBNA, and XXXX with no successful resolution. There was definitely an error on their part.

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