BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been trying to dispute this account through National Credit System since its on my credit report. I have never receive any notice from the apartments thats I used to live that I owe anything. I was never late on rent and left in good terms. Contract was never broken and the 3 months were given before we move out in XX/XX/2018. Ive been trying to dispute this and this company keep denying stating is my account and all the information is accurate but they dont have anything to prove its mine. I contacted this apartment complex but they sold it 3 yrs ago and name have change and they dont know who previous owners are. I send through mail a letter to National Credit System requesting information about this account and I havent receive any response back. I also call and request information to be email or send my mail and the lady told me they dont have anything to prove this account was mine. I request to speak to a supervisor and she told me she was busy that she will call me back and till this date Nobody have call me back. I keep disputing this and it keeps getting reject it. If they dont even have anything to prove this account is mine and there is no way to get in touch with those apartments owners how Im supposed to pay for something that not even they know if is mine or not. My credit shows were they report my payments as excellent never late so how I owe anything. We left un good terms and I never received any letter or call from this apartments that I owe anything to them either. When I go to their website and search for the account they have for me its not even bringing anything up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-07-06
Company: CITIBANK, N.A.
State: MD
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:
REPORTING FALSE INQUIRES

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I've paid my XXXX XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

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 2022-04-20
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX VW Credit Inc.  violated the Truth in Lending Act on XX/XX/XXXX with dealer number XXXX contract XXXX, XXXX # XXXX pursuant 15 USC 1605 ( a ) when it required me to make a {$5000.00} down payment on my XXXX VW XXXX. Furthermore, XXXX XXXX XXXXXXXX / VW Credit Inc. was in violation of 15 USC 1605 ( e ) ( 2 ), when it included a {$690.00} documentation fee in the {$27000.00} that it financed in the sale of the Passat. 

In XXXX, VW Credit Inc. repossessed and auctioned the XXXX VW XXXX then charged off the remaining debt which it claims to be {$6600.00} and reported it to all three major credit reporting agencies. As defined by the IRS, a charge-off is considered gross or ordinary income. Income, consequently, does not get reported on a consumer report.

Furthermore, VW Credit Inc. sold the {$6600.00} debt and shared my information with a third party without my permission, a direct violation of the FDCPA. Pursuant 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

VW Credit Inc. is also in violation pursuant 15 USC 1692 ( 608 ) ( 4 ) - The advertisement for sale of any debt to coerce payment of the debt. I contacted VW Credit Inc. and was told that VW Credit Inc. no longer has my records and that a collection company has my information and is now attempting to collect on the charged-off {$6600.00} debt. 

I recently received notice from collection company XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX on its mail correspondence that, this is an attempt to collect a debt. I note that this alleged debt, allegedly connected with VW Credit Inc., is disputed and validation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was temporarily XXXX and hired a personal driver wo ended up spending {$9300.00} on my XXXX Bank of America which i provided complete detail including the driver 's name, address and SSN #. BofA claims that the charges were legitimate which they were not. 

I've gone to VA Attorney General and he directerd me to you 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 2017-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity line of 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 monetary relief
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went to the branch location in King of XXXX, PA, to discuss why my bank statement was showing an interest rate of XXXX XXXX APY, while their current commercials advertised a rate of XXXX XXXX APY. The branch location representative called customer service to resolve the issue, and I was informed that I had a " XXXX Savings '' account, the only savings account offered back in XXXX when I initially opened my account. Now Capital One only offers " 360 XXXX Savings '' accounts to clients, which pays the XXXX XXXX APY. At no point was I ever informed of the existence of this new account and its superior interest, nor was I automatically rolled into the " 360 XXXX XXXX '' account. I have consistently maintained a balance of about $ XXXX, and, as such have missed out on thousands of dollars in interest. Their only solution is to now convert my savings account over to the " 360 XXXX XXXX '' account, where I can earn the interest going forward. Capital One has yet to give me a valid explanation for my concerns and refuses to resolve the interest discrepancy. As a client of that Capital One, I shouldn't have to shop around Capital One to ensure I'm receiving what is advertised. This is highly unethical of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: OH
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-12-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Some hacked my account and withdraw money

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 2022-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-24
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:
The Department Of Education has 2 discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX  other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the one false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-04-20
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-05-11
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:
Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all 3 credit bureaus ( XXXX, XXXX, Equifax ) Regards, XXXX XXXX XXXX XXXX*FCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take an action with this innacurrate accounts.

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