BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: VW Credit
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:
VW credit is sending me fabricated bills about a lease that has already ended, in XX/XX/2019, WITH A BALANCE OF XXXX. This lease was CORRECTLY TERMINATED, VEHICLE WAS RETURNED TO THE DEALER IN PERFECT CONDITION WITH NO DAMAGE WHATSOEVER. Dealer documents show an ending balance of XXXX. Recently, I started receiving " Turn-In Settlement Invoice '' bills from VW Credit about this terminated lease which are NOT EVEN DATED and simply state " payment due upon receipt '', and provide NO EXPLANATION WHATSOEVER about what they are for. Two such bills were received. I informed VW Credit by fax to the corporate office twice, once for each bill received, that these are not correct and will not be paid - but they have not answered my communications and continue to send the same bill over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want you to get them removed. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX via XXXX PLUS XX/XX/2022 XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have received a settlement check from Conduent Education for XXXX $ because of faulty loan practices. This came to my old address and my mother in law did not give me this until maybe XX/XX/XXXX. They used the wrong last name as XXXX XXXX on the check as I never changed my name when I had gotten married, my last name has always been XXXX. I have asked for a replacement check and gave them a copy of my drivers license. I have been told various dates which have come and gone and still have no check. At first the said XX/XX/XXXX but on XX/XX/XXXX I had gotten this email. 
Good morning XXXX, XXXX The replacement check was scheduled to be mailed by Friday last week at the latest. Please allow 3 5 business days to receive the check. 

Sincerely, XXXX XXXX Account Executive Conduent Education CONDUENT XXXX, NY XXXX I havent received any other information since after multiple emails. Since Conduent Education no longer does student loans none of the phone numbers work. I am concerned because the last date the first check gave as an expiration was XX/XX/XXXX so I am wondering if the new check will be the same and if I will get it on time. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have worked for 15 years in XXXX XXXX XXXX  in both XXXX and CT. I have applied to have the loan forgiven on numerous occasions as I have also worked for XXXX XXXX XXXX   XXXX which would qualify me for immediate forgiveness of the loans. 
I was forgiven {$2500.00} more than 3 years ago and was told I needed to wait several more years to apply again for forgiveness. I currently owe a total of {$25000.00} between my XXXX and XXXX studies. I continue to work for a XXXX  XXXX XXXX  XXXX  and applied a few months ago again. I have not heard back from the loan company at all again at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOT CONTRACT ANY SERVICES WITH THIS COMPANY. I DON NOT KNOW THEY RECEIVED MY INFORMATION. 
I C SYSTEMS INC BALANCE REPORTED : {$660.00} REPORTED ON CREDIT BUREAUS : XX/XX/2023

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
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 submitted letters to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.

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 2021-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2021-12-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a PayPal account to conduct my business, when I had a few customers who paid and our transaction went smoothly, I suddenly found out that PayPal had limited my account and I no longer had access to my funds. I've already talked to them and they always saying that " their decision is final '' and I no longer have access to my account. I didn't do anything, I can't send a payment nor withdraw my funds. I've already said to them that I need the money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but their answer is always the same. " Our decision is final, you can no longer do business with PayPal. But my remaining funds is still there and I can't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of XX/XX/2021 letter from a robo-signer XXXX XXXX XXXX , Research Department ( ? ) who informed me that XXXX of XXXX ( XXXX ) Letters of Acknowledgements I received last week was sent to me in error. 

Seems like PennyMac try to negate the acknowledgment letter. It does not specify the date of the letter being negated. And of course it leaves open all the other acknowledgment letters, which are subject to considerable doubt. The signature is electronically affixed, which does leave open the question of whether or not the signatory knows anything about the letter. 

Can you identify which particular letter was sent in error? On which date? By whom and from which location it was sent, with full name, position with the Company, office address and phone number? 

Can you identify employees who prepared and sent me these letters of acknowledgements, along with their business address, phone number and email? 

This is also a demand for written verification of XXXX XXXX XXXX XXXX XXXX XXXX signature on this letter, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX and a letter of Authorization from XXXX if XXXX typed signature was attached by someone else. 

Please identify the name and position of PennyMac 's ( or other company ) employee whom XXXX XXXX authorized to use his signature on this letter. 

If this letter was prepared by outside vendors, identify the name and business address for this Vendor and the Fintech system they used to prepare this letter. 

XXXX requires the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand XXXX XXXX XXXX XXXX XXXX XXXX me a XXXX signed XXXX, with his direct contact information and email, along with verification that he personally prepared and mailed me this letter on XX/XX/2021 Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX COLLECTIONS XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Today I received a follow up call to the complaint : XXXX The person identified herself as XXXX, employee # XXXX from the executive office. She stated that the purchase dispute was initiated however she wouldn't provide me with any case number or standard statement that the purchase will be put on hold pending investigation. When confronted by this message she informed me that I will be contacted by dispute dept in writing within unspecified period of time. When I confronted her that this way of dispute handling means that the dispute actually was not initiated she acknowledged that it is not her dept to start the process and as result I request to be put in touch with dispute dept immediately. Subsequently I was again put on the over 20 min hold without any dispute dept coming online.

Analysis : It is obvious that Capital One is refusing to make the dispute purchase process available to the card members despite two phone calls and over 45 min spent in doing just that. The CSR XXXX acknowledged the issue stating that it is beyond Capital One 's control. No it isn't as Capital One is a multi-billion corporations with enough resources to address it in both technology and manpower. It is a deliberate effort by Capital One to deny or at least delay the process thus the suggestion that the dispute to take place by letter and not on the phone. 
I expect CFPB to put sanctions on the bank as this deceptive way of doing business is simply unacceptable and defrauds consumers.

One question can be posed : how much time and how many attempts at purchase dispute are considered appropriate so the company fulfills its responsibility under the card members ' T & Cs?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items 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 explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested multiple times to update current address and this has not happened. 
XX/XX/22 & XX/XX/22 Equifax is still not updating. The other 2 bureau have the correct address on file. Equifax also has the incorrect date of birth and Incorrect prior name on file. 
This is now affecting me to get a loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX Account : XXXX XXXXL XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 USC 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 USC 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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