BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: National Credit Adjusters, LLC
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
National Credit Adjust placed a collection on my account. I requested proof that this account is mine via XXXX XXXX mail, and they received this request on XX/XX/2023. I have a signature card from the XXXX. Postal Service showing that they received the request. 
They failed to respond at all and have provided no validation of this debt. After 30 days with no response, I sent proof of this request to all XXXX credit bureaus : XXXX, XXXX and XXXX. I sent these credit bureaus copies of the letter sent, postal receipts, tracking information, and signature cards showing that this debt collector received my letter. 
Despite the fact that I sent proof that I reached out to this debt collector, the credit bureaus refuse to remove the collection from my reports. They claim that National Credit XXXX has sent them validation of the debt, and even though NCA won't send anything to me, they won't remove the collection account from my report. 
When the credit bureaus notified me that they wouldn't remove the collection from my reports, I called this collection agency asking for proof of the debt. They acknowledged that they received my initial request for validation on XX/XX/2023. They also falsely claimed that they have 90 days to respond to my request under the FCRA. They only have 30 days, but regardless, it has already been 90 days and they still haven't responded. 
During the phone conversation with their representative, I once again requested that they send me proof that this debt is mine. Still, they have sent nothing. 
Under the FCRA any company that places a collection on my report has to provide proof that the debt is mine within 30 days after I request that information. If they don't, the credit bureaus have to remove that information from my report. The credit bureaus have refused to do so despite my attempts to obtain validation. 
Please assist with the removal of this account from my credit report. I have acted in good faith trying to obtain validation of the debt, and it is not only unfair that only the credit bureaus have been given this so-called proof, but it is also financially damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 : I couldn't see my savings account on my Wells Fargo app so I drove to the closest branch to access their ATM- I put in my card and again I was not able to see my Savings account. I went inside to speak with a teller and he said he could not see my account either. His manager then tried helping and again she could not find it. I had a horrible XXXX XXXX. There was no explanation and a lack of sympathy and apology. I was then expected to walk away with a confirmation number that the matter had been " escalated '' and nothing else. My entire life savings VANISHED with NO explanation. I proceeded to leave and had another XXXX XXXX as I was distraught and bewildered by my reality. 

A few people approached me in my panic to try and help and advised me I go to the police station. I arrived at the station and called Wells Fargo customer service hoping their response would be different. It was not different and in fact worse as the representative miscontruded my words claiming I said " Wells Fargo is Hiding my money '' which I DID NOT SAY. Again, the lack of sympathy and urgency for my matter sent me into another horribl eXXXX XXXX that occured in my car while on the phone with the representative. I screamed so intensely I burst my XXXX XXXX in both my eyes causing me extreme discomfort and stress to this day as theyve become itchy and swell up and the stress of this situation flared my XXXX. 

I then went inside the police station where I was met with disregard. They said there was nothing they can do. Again, I left in panic and disbelief and thankfully a couple there saw my distress and approached me to see if there was anything they could do to help. 

The next day I called for an update and the representative said there was no update because the case had only just been assigned to an investigator. This led me into an XXXX XXXX that takes away my ability to feel and think properly. Later I received and email saying they would contact me within XXXX  days which they did not do. 

I have been as patient as possible and yet there is no resolution. The fact that this criminal organization continues to operate is unfathomable. My livelihood and my future are at stake. I cant sleep at night, I wake up with an accelerated XXXX XXXX  and my cripling XXXX XXXX and XXXXXXXX XXXX are all back. The tension throughout my body is painful, my hands have a persistent tremor because of the worry they have caused me and I'm now forced to take medication in an effort to try and keep my sanity.

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 2023-12-17
Company: VW Credit
State: LA
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:
I am writing to file a formal complaint against Volkswagen Credit Inc regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to Volkswagen Credit Inc. 

Despite my efforts to address this matter directly with Volkswagen Credit Inc, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to Volkswagen Credit Inc, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Volkswagen Credit Inc complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-19
Company: Roadrunner Account Services, LLC
State: NV
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:
I don't comprehend why I have to repeatedly file complaints regarding an issue that ROADRUNNER ACCOUNT assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. ROADRUNNER ACCOUNT SER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
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:
Eastern Accounts Systems of Connecticut , Inc has created a faulty account in my name, alleging that I owe them a debt of {$160.00}. According to their claim, they sent me a letter 30 days ago, which I did not respond to. However, I have never received any such letter, nor do I recognize any debt owed to this company. Additionally, they have failed to provide any receipts or proof that I am the rightful owner of this debt, or that they did indeed send the alleged letter. 

To emphasize my stance, I have not made any payments to this company, and I firmly contest the validity of their claim. They have initiated an unauthorized, unverified, and inaccurate request for payment of a debt that does not belong to me. Moreover, Eastern Accounts Systems of Connecticut , Inc has threatened to report derogatory information to my credit report, which is not only unwarranted but a violation of the FCRA ( 15 U.S.C 1681b ). I have never provided consent for this company to report any information to my credit report. Within the letter they sent to me states they have already reported this information to my credit report. 

This situation is particularly troubling as it appears to be a case of identity theft or misuse. I hold Eastern Accounts Systems of Connecticut , Inc accountable for their unauthorized use of my credit and demand that they immediately remove, delete, close, or eradicate any inquiries, accounts, or claims related to this issue from both my credit report and this includes all major credit bureaus such as XXXX, XXXX, XXXX and their business system. 

A certified letter has been mailed to the company today

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
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 XXXX  Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed these debts with the original debt holders and now that LVNV funding is now trying to collect after I have disputed it with the original debt holders and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Bankruptcy Court # 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 The above creditor have violated my rights under the quoted sections. I did not give my written instruction to furnish the accounts. Allegedly validating a debt isn't justification for not receiving my written instruction.

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 2019-10-09
Company: MARINER FINANCE, LLC
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:
XX/XX/XXXX i was contacted by XXXX  XXXX XXXX inquiring if i had opened an online bank account. I stated no. I was told an account had been fraudulently i opened using my information. I was also told a solicitation check bearing my information sent to my address by a company named MARINER FINANCE was deposited in this fraudulent account via an ATM Machine, hence creating some type of loan in my name. I subsequently was told by my UNITED STATES POST office that all our boxes had been shut down in the neighborhood due to mail theft, vandalism, stolen mail ongoing. I immediately located this MARINER FINANCE company branch and notified them of the IDENTITY THEFT & FRAUD. I obtained a copy of the fraudulent check from them. I then notified XXXX XXXX of fraud and filed IDENTITY THEFT WITH THE FEDERAL TRADE COMMISSION, POSTAL INSPECTOR & POLICE DEPARTMENT. I also froze all of my credit reports and placed fraud alerts. MARINER FINANCE refused to give me a corporate office to send IDENTITY THEFT reports, police reports to. I located the corporate company and mailed with tracking all reports and demand to clear account and my name. along with furnishers. Deceptively they have reported this FRAUDULENT account to my credit report transunion, maybe others now as well. they continue to send me mail, statements etc ... completely ignoring this is IDENTITY THEFT & FRAUD. Ignoring the police reports, federal trade commission reports, documentation provided to them Adding to this victimization of me as an IDENTITY THEFT VICTIM, the copy of the stolen check that I recived UPON MY FIRST NOTICE TO THIER LOCAL BRANCH, on the back information THE THIVES FILLED OUT- NOT my signature, NOT my email, NOT my birth date, NOT my phone number, NOT my handwrighting, Also state in several places '' 2 FORMS OF ID REQUIRED obviously that was not done.As per XXXX  XXXX XXXX fraud Department this was deposited into an ATM machine. This is the worst deceit i have seen from any company.RANDOMLY PRINTING CHECKS WITH PEPOLES SOCIAL SECURITY NUMBERS, PERSONAL INFORMATION ON THEM SHOULD BE ILLEGAL! I DID NOT REQUEST THIS NOR DID I HAVE ANY DEALINGS WITH THIS COMPANY EVER. HOW DID THEY GET THAT INFORMATION IN THE FIRST PLACE?

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 2023-01-11
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: BlueChip Financial
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:
To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Company: Experian Information Solutions Inc.
State: LA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2020-06-03
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: Account status incorrect

Complaint:
There is a collection account on my Experian credit report for XXXX XXXX opened XX/XX/2019 that has been paid in full and all other credit bureaus have removed this account. Experian has it showing with a {$0.00} balance and negative.

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