BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was in an at fault accident on XXXX XXXX XXXX XXXX XXXX is my insurance company which has wrongfully totaled my car. I understand the process of total loss. I told the Adjuster I wanted to owner retain my vehicle. I called my finance company whichbis Ally Financial and they agreed. XXXX XXXX refuse to send the proper documents to Ally Financial and Ally refuses to accept the XXXX car evaluation XXXX XXXX sent them. Ally said they need XXXX XXXX XXXX and XXXX XXXX keep stating they only use XXXX. XXXX XXXX stopped accepting my phone calls. I had to go to a local office to get a XXXX on the phonevand she stated she would send the XXXX XXXXhat Ally requested but never did. Meanwhile I pd out of pocket to get mylar repaired in the amount of XXXX to have transportation to work. Ally is forcing me to continue making payments and I saw on my account that another payment is not due until XXXX XXXX I did not make those payments. They are trying to take my car. I have never been late with an insurance payment or car payment.

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 2023-11-10
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection that is unknown and two different collection companies are reporting the same amount. Isn't this against the law? Don't they have to notify me? Send me validation? I have a right to dispute this inaccurate data.

Company response to consumer: Closed with non-monetary relief
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:
The accounts are due t identity fraud/theft therefore i am not responsible nor liable for them. Per 15 usc 1681 b the companies and bureaus are violating my rights as a consumer and i am requesting that these accounts be removed, blocked, and deleted asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on payments and could not catch up so I had to sell my house in XXXX. The loan started in XXXX. And I received no help from Wells Fargo to help me with this.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-02
Company: National Enterprise Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

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 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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. 
XXXXXXXX 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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IA
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$210.00} Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Requested money back, merchant provided receipt and refund. USAA reversed request and will not give me my money back. Issue has been ongoing for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: LEXISNEXIS
State: AZ
Product: Credit reporting 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:
NexisLexis consumer # XXXX case # XXXX before XXXXcurrent. 

I am getting bogus refusal letters from a XXXX XXXX XXXX to which I have never applied for anything. The refusal simply states it is based on a report from LexisNexis. That among other things, I have no insurance history. 

I have had own owners insurance for 20 years. I have had full coverage on my car for a minimum of 10 years with just three companies. XXXX, XXXX, and currently XXXX. So even withy what little information their refusal letter disclosed, it it obviously in error. 

My scores from the big there are consistently in the XXXXI have not had any lapse in insurance in at least 20 years, and I never requested a quote from XXXX XXXX XXXX XXXX first place. 

I have sent them a copy of my drivers license, and I have given them my social security number. But, for the second time, they claim they will not process my request for my file based on lack of proving my identity. I can send you copy of the JPEG of my drivers license to see for yourselves, the same JPEG was entirely legible to the XXXX XXXX to renew my license, and to ID me for online validation. 

I have a legal right to see what they have on whatever file they think is me, but, they are procrastinating at best, or, an underhanded refusal at worst. I suspect they know their information is bogus and are simply hoping I will give up and go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.

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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 4. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 7. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report

Company response to consumer: In progress
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in 2016.

This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureaus took more than 30days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Albert Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Confusing or misleading advertising or marketing

Complaint:
Albert app overall is extremely misleading in terms of what consumers are signing up for, and they are also not allowing me to close my account, even after Ive requested 3 times today in writing via email. Im happy to provide my emails back and forth with them as evidence. They told me I have to pay my {$150.00} salary advance back plus fees, and then said only after that will they assist me in closing my account with them. Based on their Terms and Conditions, it doesnt seem as though Im legally obligated to repay their salary advance, and it also seems that they should not be able to engage in any sort of debt collection practice or outreach to make me repay. I do not trust this company, and want my account and information associated with them deleted immediately. They are also not acknowledging that I sent them a request in writing to revoke authorization for any and all future charges from my checking account or debit card. I sent them 3 emails today ( which is more than 3 business days prior to the next scheduled debit, which was for XX/XX/15 ), asking them to acknowledge that Ive revoked authorization and that they wont be attempting any future debits out of my account for repayments, subscription charges, or anything whatsoever. They keep replying back and not directly acknowledging my request. They change the subject and say they can turn off my XXXX XXXX transfers if Id like, or that they will cancel my XXXX XXXX but they havent directly acknowledged my revoke authorization request, even after Ive emailed them 3 times about it today, Albert advertises up to {$250.00} salary advance, but that is not actually available. They also make it very unclear that you have to sign up for a XXXX XXXX, which is {$14.00} per month, and also have to participate in a service called XXXX XXXX, where they automatically debit random amounts from your linked checking account, at their discretion. They make it extremely difficult and confusing to cancel these services, and I believe they are operating in a predatory manner and using dark tactics to prevent users from cancelling ongoing charges and services on their app. Can you please assist me in closing my account fully with the Albert app and also get them to acknowledge my revoke authorization request. I do not want Albert Corporation to harm me or any other consumers any further.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Chime Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Sendwave attempted to draft {$930.00} from by business checking account without authorization. I had never heard of this company before receiving a fraud alert from XXXX XXXX Bank. I certainly did not intend to send {$930.00} to some random account operated by a company that primarily serves developing countries with foreign currency remittals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.

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