BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: FORD MOTOR CREDIT CO.
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:
I have been a new Ford customer for the past two years. My first two vehicles I leased a XXXX Ford Focus and returned it with no issues. On my second vehicle, a XXXX Ford Fusion, I traded in my lease early X/XX/17 being advised I was eligible for an early bird trade in. I traded the Fusion in and picked up another XXXX Ford Escape Titanium. 

I periodically checked in with Ford Credit 's website to see that payment was still due but I was assured by the sales rep that all the paperwork was completed that day and I had nothing to worry about. When I received letters that payments were missed, I followed up again and going forward I have made no less than a dozen calls into Ford Credit and half a dozen calls into the Ford Dealership in XXXX, CA to get the issue resolved. 

Ford Credit made contact with the dealership and confirmed the details with the GM and the sales rep, yet still continued to bill me the remaining 3 months as well as report to the credit agencies that I am delinquent on my payments. 

There have been several lease end managers that have been handling my case who have made contact with XXXX XXXX 's dealership. Each time they have stated I would receive follow up phone calls to update me on the issue and promised me that it would be fixed. However, each time I have had no follow ups done. I am on the phone again now with XXXX and she has again promised me to accomplish what all the others have promised me. 

The error seems to be that XXXX did not send the early bird termination papers and payment or that Ford Credit lost that information. But even with contacting the dealership, confirming that it was an early bird termination/trade in, I am still being asked to pay Ford and Ford has done nothing to repair my credit. 

The aggravation, distress, and time at work spent on dealing with this matter during working hours must be worth something. Additionally is this common practice at Ford Credit and lease end returns? It does not seem like there is any competency at Ford at the Credit department and at the dealership which makes a consumer suspicious that this is widespread.
I now turn to CFPB to see if we can get some movement on this as 3 months later they are still looking for papers ( even after the leased vehicle has been inspected, traded in, and facts verified ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My name is XXXX XXXX. I do not consent to XXXX  verification. Capital One Bank furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended Capital One Bank no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.

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 2022-04-27
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance Company XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Ballybunion Enterprises, Inc
State: NV
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:
On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry.  While the unauthorized inquiry is still being reported on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. DELETE the account listed : ( XXXX XXXXXXXX FIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 2019-10-21
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

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 2021-11-19
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by 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 2017-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.

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 2021-11-19
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please " Remove '' the account for it is damaging my report, which would not be happening if Equifax investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX. The current status should not be showing late because I think I paid on time. This just proves that TRANSUNION Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an count on my credit report that I have disputed before. I have requested to see the proof provided to the credit bureau to provide proof of debt and I have yet to receive this information to date.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made dozens of requests for my credit report since XX/XX/XXXX, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on XXXX. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online. 

On XX/XX/XXXX, I again attempted to retreive my credit report from Annual Credit Report, which was refused and required a written request. Please see attached documentation. 

On XX/XX/XXXX, I attempted again to retrieve my credit report from TransUnion on my account after logging in. Please see 3 pages for the requests which was refused. Their website says I am able to request a credit report every 24 hours, which is false. 

On XX/XX/XXXX, to test a theory that TransUnion will not provide a FREE copy but will provide a PAID copy, I signed up for the credit monitoring service on TransUnion 's website. I was able to set up an account very easily and TransUnion did not request an information to verify my identity and PROVIDED A COPY OF MY CREDIT REPORT. Please see attached. 

TransUnion is refusing to provide me with a free copy of my credit report and is forcing me to purchase it in order to access it. The representative with whom I spoke in XX/XX/XXXX gave me falsified information regarding the inaccessibility of my credit report online because of a fraud/security freeze. I have had a security freeze on my credit report since XXXX and only for the past six months have they refused my credit report online. 

I have also attached several documents of proof of identity and address so that TransUnion has no excuse of dismissing or ignoring this complaint referencing proof of identity.

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 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I was laid off from my job in XXXX of 2016. I spoke to Capital One about my layoff to seek a hardship assistance program in XXXX of 2016 after unemployment ran out and I no longer had any money to make regular payments. Capital One told me that Unemployment is not a hardship and that I was not eligible for any payment reduction or hardship program, the also told me I could n't make a payment for less than the minimum amount they said was due. It did n't occur to me until now to file this complaint until I remembered that this agency even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

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 2017-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes, my name is   XXXX   XXXX   XXXX   XXXX   I am a   XXXX   XXXX      XXXX   XXXX   and have and am currently being harassed by the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , Alabama,  XXXX . The policy I have with them falls under  USAA Federal Savings  Bank  XXXX   XXXX  Wind and Hail. Since I bought my house at  XXXX   XXXX   XXXX ,  XXXX  Alabama  XXXX , on or about mid-  XXXX   XXXX  - I have received on a frequency of about one a month correspondence from the Alabama  XXXX   XXXX   XXXX   out  of  XXXX   XXXX  AL, requesting various information, that I have had to have  USAA Federal Savings Bank handle,  repeatedly. This year alone (   XXXX   ) I have received  XXXX  letters from the Alabama  XXXX   XXXX   XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked  XXXX   XXXX   XXXX  Bank numerous times to fix this- obviously to no avail. On,   XXXX   XXXX   XXXX   I spoke with a  XXXX  at  USAA,  who claimed she could not in fact contact this agency in Alabama, despite other  USAA  agents who could. Now oddly, the Probate Judge of  XXXX   XXXX , Alabama, where I reside,  XXXX   XXXX , was the Mayor of  XXXX  Alabama, who left this position under dubious circumstances. Also  XXXX   XXXX  is a big time or was a big-time player in the Insurance industry here in  XXXX   XXXX  and the State of  XXXX  with links to corrupt officials like the former Governor  XXXX   XXXX  who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of  XXXX   XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local  XXXX   XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the  XXXX   XXXX   XXXX   XXXX  which  XXXX   XXXX   XXXX  know intimately, in addition to the local Department  XXXX   XXXX   XXXX   XXXX  Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from  XXXX   XXXX  lived ( and still might ) in my sub-division of  XXXX   XXXX ,  XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter.  XXXX   XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a phone call at   XXXX   XXXX   pst on   XXXX   from  XXXX . They called again at  XXXX  and   XXXX  . I answered the  XXXX  phone call and it was from  Navient. I   asked why they called me at   XXXX   XXXX   and if they knew that was illegal. The woman would n't answer me unless I verified my information with her.

Company response to consumer: Closed with explanation