BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-10-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXXXXXX XXXX XXXX I.C. Systems sent an account made by someone else to my collections for a total of {$630.00} from XXXX XXXX XXXX. I called and had it straightened out let them know this was not me, made a police report and they removed it from my credit report. Then again in XXXX the same thing happened again, same amount, same account from XXXX XXXX XXXX. I called I.C systems again and they will not talk to me since the account doesn't belong to me therefore stopping my progression in getting the matter fixed.

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 2021-12-31
Company: VW Credit
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Volkswagen Group of America , Inc d/b/a/ Audi XXXX. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act and 15 U.S.C.1691 - Equal Credit Opportunity Act by Volkswagen Group of America , Inc d/b/a Audi XXXX on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Volkswagen Group of America , Inc d/b/a Audi XXXX with the adverse action taken against me denying me my rights, in addition according to 15 U.S.C. 1691a as an applicant i applied to the original creditor indirectly by use of my already existing open end credit plan in which i had adverse action taken against me for the use there of, denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) and 15 U.S.C. 1691e ( b ) are up to { {$15000.00} }. Volkswagen Group of America , Inc d/b/a Audi XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX & Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} This complaint is my follow-up to ensure that the listed accounts are fixed 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 2023-06-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is using Wells Fargo Bank to cover a bad Loan to XXXX XXXX XXXX. XXXX XXXX assigned a mortgage to XXXX XXXX in XXXX ( XXXX XXXX went out of business in XXXX ) The note was never signed over to Wachovia Bank. The foreclosure suit is Wells Fargo Bank successor by merger to XXXX XXXX. Wells Fargo Bank on different telephone calls and on the XX/XX/XXXX letter said XXXX XXXX  is your lender. Wells Fargo Bank has stated that " we do not have one penny in your property at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX " XXXXXXXX XXXX  through their attorneys, state that XXXX XXXX is the servicer of the mortgage. Wells Fargo, under under who's name we are being sued ( 1 ) does not have any account number for us ( 2 ) does not know our name ( 3 ) do not know our address PLEASE READ THE ATTACHED LETTERS See complaint XXXX which Wells Fargo Bank XXXXeopened under Wells Fargo Case XXXX XXXX in the Executive offices at Wells Fargo . All the files are attached to this complaint proving all the information above. WE NEED YOUR AMMEDIATE HELP AS XXXX XXXX IS TRYING TO GET ANOTHER SHERRIF SALE. See the attached Common Pleas Docket I believe that XXXX XXXX is trying to bypass the requirement to put back money in reserve as required in XXXX for a bad loan so they could lend this money out. ( XXXX has done this before and got away with it. ) WE NEED YOUR HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has caused me physical, mental & financial anguish by violating my rights as a consumer. Transunion reports serious delinquent payments with company XXXX on my credit report for the dates ranging from year XXXX, which is incorrect. I have tried numerous times to resolve this matter with Transunion to no avail. Transunion is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Thats just to name a few laws violations against me by Transunion. 
Transunion must remove these inaccurate, inconsistencies immediately.

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 2022-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
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 requested an extension agreement for the month of XXXX, I uploaded my extension agreement before the 30 day mark so that it would not be recorded as thrifty days late. I uploaded it on XX/XX/XXXX the same day that I spoke with a representative. I signed the document and sent it back. XXXX called me on XX/XX/XXXX more than 2 weeks after I uploaded the extension agreement saying that I was 30 days late. I uploaded the same document that day because customer service stated they could not see it on their end even though I could see it on my customer portal clearly showing it was uploaded. XX/XX/XXXX they reported me to the credit bureau as 30 days late. XX/XX/XXXX I spoke with a supervisor who could see the document but stated they did not process my agreement on XX/XX/XXXX because it was not dated. Which made no sense, the same document I uploaded on XX/XX/XXXX was reuploaded on XX/XX/XXXX, neither of them was dated but they still accepted it the second time with no date. They intentionally waited until I was 30 days late to tell me they couldn't see the document and that it needed to be dated. They do not want to fix it and it's irresponsible for them to accept the second document but not accept the first one when they have the same signature but no date on either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to the car dealership to purchase a vehicle and my credit was ran multiple times creating a series of Hard inquiries.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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 unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit acceptance reported to the credit bureau that a debt of {$21000.00} is owed. The debt is not owed by me. First the credit reported it closed, then open. The creditor failed to contact me prior to reporting such derogatory information to the credit bureaus. As such, it failed to follow the Fair Credit Reporting Act. Please delete the item from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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:
The credit card is a XXXX from XXXX XXXX. It has {$13000.00} limit. It is not my card. It is my husbands card. XXXX asked my husband if he would like to give his wife a card. I didn't want the card. Never activated the card. The card was for my husband to transfer higher balances from other cards. XXXX took the card off my account but the credit reporter would not. I think XXXX XXXX  took it off but XXXX would not. That is were the problem is. I have excellent credit and would like the score to be higher but it won't because of this card that is not mine. The two credit Companies have different scores. They should be the same and higher. Can you tell me why my credit score is not at the very top of the chart? It is almost there. Thank you.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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 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 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 2023-01-06
Company: Shellpoint Partners, LLC
State: CA
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:
We were unfairly reported as delinquent on our mortgage in XX/XX/XXXX. The delinquent payment was a result of technical issues with Shellpoint 's automated payment systems. Finally on XX/XX/XXXX, Shellpoint sent an apology letter to us acknowledging the technical glitches we experienced with their systems and stating that they would send an XXXX XXXX XXXX form ( AUD ) to the credit bureaus altering the report for XX/XX/XXXX from Delinquent to " No Data. '' Shellpoint had instructed us that we could follow up directly with the credit bureaus to ensure the AUD was accounted for. This information can be seen on XXXX XXXX of the attached apology letter sent to us. Around XX/XX/XXXX, XXXX days after the date of Shellpoint 's apology letter, I followed up directly with all the credit bureaus as instructed by Shellpoint and all the credit bureaus had in fact received and processed the AUD from Shellpoint as promised and all our credit reports were at that time reporting as " No Data '' for XX/XX/XXXX as expected. 

I thought this was the end of this saga, but at the end of XX/XX/XXXX, I noticed once again that all the credit bureaus were again reflecting XX/XX/XXXX as delinquent. I inquired with XXXX and was told that Shellpoint sent another update again reporting XX/XX/XXXX as delinquent AFTER the AUD in XXXX and this is why my credit report was once again showing the delinquency. It serves no purpose for me to follow up with the credit bureaus yet again about this if Shellpoint is going to come behind me each time and again report us delinquent for XX/XX/XXXX once the credit bureaus have already processed any AUD. 

I am offended that an apology and update was sent out to us by Shellpoint and yet once again I am back to square XXXX many months after the problem originally arose in XX/XX/XXXX. It is now XX/XX/XXXX and I'm back to the drawing board!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation