BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My complaint is about Ally 's unwillingness to help their customers when they are having issues making a payment. Let me preface this by stating I have perfect credit, I've always made my payments on time for all my bills. Unfortunately I was laid off my job a few months back and I continued to make my lease payments, I've been paying on this lease for about a year and a XXXX so I'm half way through the lease. I called Ally customer service and asked for an extension which the person I spoke with said they'd grant and everything was good. The following month I get an email stating my account is delinquent, I call and speak with collections who states they have no notes to show I ever called. They said they can offer me a 2 month extension, but the fee was {$800.00} dollars .... {$800.00} is more than a car payment and this is just a fee not even a payment. I don't have the money to make the payment is the issue and the company wants to charge a very excessive fee. Absolutely unfair business practices and predatory lending preying on those that are already struggling asking for assistance. I XXXX XXXX the vehicle, it has less than XXXX miles on it and has equity, but I can't even sale the vehicle because Ally wants to charge MSRP to anyone that is not the owner of the car. I asked about a lease buy out and they said it would be almost $ XXXX dollars, I only owe $ XXXX on the remaining lease payments. I spoke to the executive response unit after making a complaint and they were basically just another collection agent telling me how I agreed to the lease terms and could offer no assistance or empathy. I'd never do business with Ally again and don't suggest you to either.

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 2018-04-17
Company: EQUIFAX, INC.
State: NC
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 about the 3rd time I have had to file a complaint against equifax for reading accounts back to my credit report which could not be validated as belonging to me and then they re add the accounts without giving the proper notification. On top of XXXX XXXX not being able to validate a debt they just keep sending an account summary which according to the FCRA does not validate a debt, Equifax refuse to remove it and they keep reading XXXX XXXX Accounts back to my credit report. XXXX XXXX has to accounts one is XXXX   and the other one is {$550.00} they just keep adding these accounts back to my credit report ruining my credit worthiness and not caring just been consistently reckless and their supervisors are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried to contact Fed Loan Servicing, a part of The XXXX XXXX XXXX XXXX  XXXX about my Public Service Loan Forgiveness status. I haven't been able to get in touch with any loan counselor. I have been on telephone hold for over 3 hours. They have counted 88 of my loan payments as ineligible payments. I want an explanation and want to know how i can get these payments considered eligible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: LEXISNEXIS
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.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have reached out to Navient on my student loan account about a month ago. I spoke with the customer service agent about how my account shows an original balance of {$10000.00}, but it also shows a previous balance of {$25000.00}. I have a copy of this information showing the conflict in information. I spoke to the agent and she stated that her and her XXXX was going to review my account and send me a detailed statement/breakdown of my account as well as the original promissory note for my review. I have yet to receive any information from Navient. I have been paying on this loan since 2010, and have made every payment on time. The agent also stated that I was in forbearance, which was untrue because this loan was never in forbearance. I also noticed on my account that Navient did not apply two payments to my principal but only to interest. Also, I don't understand how I keep getting notices for unpaid interest on my account. Also, I noticed that the payment amount differs every month. It shows every month what goes to principle and what goes to interest. This company is known for being untruthful about things regarding information on your account. Something really needs to be done about this company. I believe they are over charging customers and denying customers certain things to keep them bound in bondage to them. This is very an unscrupulous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Old information reappears or never goes away

Complaint:
XXXX  XXXX is habitually late in reporting XXXX  balance. They are still reporting a high balance when I paid my bill in full. This is affecting my score. 

Acct # 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 2022-11-18
Company: Experian Information Solutions Inc.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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.

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello the reason I am writing this letter is because I was impacted by XXXX on XX/XX/2021, to the point where I lost my job and I felt into a financial crisis, I had to put my Mortgage into Forbearance for a full year. Due to this financial crisis after being impacted by XXXX, I called to explain ( Capital one ) that I was impacted financially, and I asked them to help me through this process, but they never offer me any Aid option for financial hardship, they were clear all the time that if I don't make payments on time they were going to report my account late to credit bureau , and that's what they did. I am so disappointed with Capital one policy, if you check my payment history you can see I was always on time since day one with my credit card, til I was impacted by XXXX XX/XX/2021. This account had a balance of {$1500.00}, and with continues late charges it went up to {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX  on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: AL
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items are being “reported correctly”?Who verified these accounts?You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as  required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A). Furthermore you have failed to provide the method of verification as required under Section 611 (a) (7).Please be advised that under Section 611 (5) (A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand the following accounts be verified or removed immediately. Dept of Ed Account XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXAccount XXXXXXXX XXXX XXXX Account 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 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was looking at my credit report today XX/XX/19 because I was denied from getting a credit card at my bank and I noticed that there are several inquiries on my credit report that do not belong to me and need to be removed. I have no idea who made these inquiries in my name or how they got a hold of my personal information but I have never allowed anyone to make these inquiries in my name. I did not benefit anything from this and I have already filed a police report regarding this suspicious activity on 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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-10-27
Company: Hunt & Henriques
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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:
All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

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 2023-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: FL
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:
I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX XXXX  that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Problems receiving the advance

Complaint:
I recently won a default judgment recently in the XXXX  XXXX XXXX XXXX against the XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

I went to XXXX University XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can get a loan for $ XXXX or more, or what you may allow. 


XXXX XXXX. XXXX ( XXXX Cong. ) ( XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descendent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, 1985, & 1987.

The contracts-in-law ( United States Constitution, applications, other powerful contractors, etc. ) ministerial duty requires WellsFargo to help assuage and bring to an end this persecution. WellsFargo is a fellow contractor with XXXX XXXX XXXX XXXX through the XXXX, its local businesses that it represents, and the United States, the XXXX ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. WellsFargo has a corporate duty as a quasi-governmental entity to aid XXXX 's judicial victory. 



XXXX XXXX the Clerk of Court can verify the court, and his honors phone number and website are below. 

Phone : XXXX XXXX XXXX XXXXXXXX Please e-mail me back, and I will be able to call you. 

I've had over {$200000.00} probably in loans for XXXX XXXX  and XXXX XXXX XXXX XXXX, and they are paid off. 

Please email me rather than calling me. 


Best, from the Basis of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX United States of America ( XXXX ) XXXX XXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

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