BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: Auto Credit of Southern Ilinois
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I financed a XXXX XXXX XXXX from XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. On XXXX ( XX/XX/XXXX ) I received a text message from XXXX XXXXl stating Effective XX/XX/XXXX the servicing of your account will be transferred form XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Westlake Portfolio Management. Please contact Westlake Portfolio Management at ( XXXX ) XXXX to make you payment or to discuss all matters related to your account. 

I have two problems with this : ( 1 ) After making payment to Westlake Portfolio Management as instructed, I received another text from American Financial that customers can make payment and view account information through our new website at www.amfinancial.com. I have attempted to contact XXXX XXXX numerous times to confirm where payment should be sent, but they do not answer their phone. I am currently still unclear where payment should be made as both companies are demanding payment. ( 2 ) Since XXXX of XXXX, I have been in contact with customer service at XXXX XXXX attempting to terminate my lease early. They never provided any instruction, only that an account manager would get back to me. I called nearly every week for an update with the same answer. I have tried to begin the process with Westlake Portfolio Management, however they advised that they can not uphold my existing contract because we dont do that, you can voluntarily surrender the vehicle with impact to your credit report or you can continue to pay off the lease. 

I have worked very hard for years to repair my credit and do no appreciate the lack luster assistance that either of these companies have given me to resolve this issue. I would like this issue resolved so that I can move on with my life far away from both of these misleading companies.

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 2021-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent a XXXX payment it didnt work so the banker over the phone asked me to try it several times after the fact after they made attempts to fix the issue. This put a fraud measure on my account and Ive been over a year unable to access the lousy XXXX dollars in my account. I want to close it and retrieve the funds my address is no longer the one they have on file as I have moved. They are unreasonable in the sense that theyre demanding me travel more than 9 hours to a beach to show my ID in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account information incorrect

Complaint:
I have sent dispute Regarding multiple Accounts that have collection but has a past due amount or the account states its open buts it in collection

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 2023-02-11
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon review of my Credit Report I noticed company name : Portfolio Recovery has reported 3 collection accounts under my name. I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX  and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. This company also failed to validate this debt. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX, I made a transfer for the amount of {$300.00} to a Bank account in XXXX using Remitly. Remitly advised the transfer should have been completed within minutes in this case Friday XX/XX/XXXX at XXXX. On XX/XX/XXXX I checked the status of the transaction and it was still pending. reached out to the company ( Remitly ) but at this time they do not have a customer service number or email working. they had a chat available which I used to address the issue and the CS advised that the transaction was being review by my bank in XXXX and that I should wait for about 12 hours since this is the normal time for a review like this. It is now XXXX XXXX, XX/XX/XXXX and I have not been able to get in contact with Remitly at all. Not through email, phone, or Chat. it is frustrating specially now with was going on now, not being able to obtain answers to an issue like this. Yet, they are ready to to take your money but not to solve the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including Equifax, XXXX and XXXX. Also XXXX Appliances and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( Experian and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.

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 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
Card was used fraudulently to make purchases on XX/XX/2019. One charge was blocked automatically by card fraud detection, however, 3 other charges were allowed that were not authorized. 

A fraud claim was submitted for these 3 charges and a  temporary credit was applied, however, these charges were not approved and were put back on the account on XX/XX/2019 with explanation " - We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' As explained to company, the replacement card issued was never received and was likely stolen and used for these transactions. However, no these charges have not yet been credited and company appears to not have adequate security practices for replacement card use and makes fraud claims difficult to settle.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: CA
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 am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
Report # XXXX. # XXXX. 

XXXX XXXX Last four digits of Social Security XXXX XXXX XX/XX/XXXX XXXX charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX name XXXX XXXX Account XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



XXXX name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$15000.00}

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 2022-07-20
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:
So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : MN CHILD SUP Account number : XXXX has violated my rights. Or list of inquiries 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 2023-01-04
Company: EQUIFAX, INC.
State: CT
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

ENHANCED RECOVERY CO L XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This company XXXXXXXX XXXX  XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. 

*Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case in the attachments

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 2021-11-15
Company: Experian Information Solutions 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've reached out to Experian on numerous occasions to verify this information if they can look deeper into why I have so many inquiries that I did not approve of on my credit report. They have yet to send information back of verification of this. When they do send information, I'm not able to view it. I've asked them plenty of times to only contact me via post mail. And they proceed to contact me via email, and with that communication I'm not able to see results or really see what's going on. 

Contacted Experican : XX/XX/2021, XXXX Inquiries : 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