BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, On XX/XX/XXXX, I sent a certified check for the payoff of my leased vehicle with Audi Financial Services and an additional certified check for expedited shipping to have my title sent back quicker. It was sent overnight and Audi received it on XX/XX/XXXX. I sent 2 messages to Audi using their online portal ( 1 to tell them I sent everything to include my tracking number to them and the 2nd after a week or so of no update on my account ). After XX/XX/XXXX, they showed my payment as late and I decided to call in. Upon calling in I was told to wait another week. I waited a week, and sent yet another message using their online portal and received no response. I called in again and spoke to someone who said that Audi is severely behind on sending customer 's their titles, but he was able to " post '' the payment to my account to stop it from showing late and stopping it from behind reported as late to the credit bureaus. After 2 more weeks, I called in again as there was no update and this representative said there was nothing he can do. It's now been basically a month since I've sent everything to Audi Financial Services, they have my money, they have my car 's title illegally, and I can't do anything on my end with my vehicle ( sell it, register it, title it, etc. ). I've now resorted to emailing several executives with AudiUSA to try and get their attention and I'm now seeking assistance with consumer reporting to help me get my cars title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " RESURGENT/LVNV FUNDING ''. From my research, LNVN is owned by XXXX XXXX XXXX, XXXX. 

Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or XXXX XXXX XXXX, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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 called the Experian after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this XXXX account on my personal profile, I noticed that there was a erroneous Account on my credit report which is misleading to me. I sent a letter to Experian on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected. 
XXXX XXXX XXXX {$370.00}

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 2019-05-10
Company: Experian Information Solutions Inc.
State: NC
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:
I initiated a credit investigation with Experian on XX/XX/XXXX. I was supposed to receive a response within 30 days, but I have not.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$9100.00}.

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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: GA
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:
CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. PRO COLLECT XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}

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 2021-12-30
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Better Mortgage. However, due to their process, communication and lack of understanding of the loan transaction, I withdrew my application on XX/XX/XXXX requesting my {$550.00} appraisal refund. After asking about it several times and being told on XX/XX/XXXX it was in the works, I still have not received a refund. 

I never received loan disclosures except for a few on-line ones. There are many I never signed as well. 

Please help by asking them to send my appraisal refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/ 2 ) XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX, XXXX - Date Filed :XX/XX/XXXX 4 ) XXXX XXXX - Date Filed : XX/XX/

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: Absolute Resolutions Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: AL
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 have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: MI
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 sent a letter to Equifax to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX  XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Equifax- Investigation was completed on XX/XX/2023. Confirmation # XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law.

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I opened an account with Navient/Department Of Education to fund my college education. The account is still open and currently in good standing. However, I was charged with 4 missed payments on each of my accounts with Navient/Department Of Education but I never received a notification of the bill. At that time my family and I were foreclosed on our home and we were forced to relocate which could have prevented me from receiving any notice from Navient. I would like to address this as soon as possible and get the negative remarks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it's also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information containing any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: PA
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 sent my FTC report and Sate identification to XXXX, XXXX and Equifax. They are reporting fraudulent accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I did a balance transfer from my PayPal credit card in the amount of {$930.00} to a zero interest card. The zero interest card sent a check on XXXX XXXX. And the check cleared the bank ensuring that the money was received by PayPal. I have disputed the balance owed on several occasions. The balance reflects the payment for a short period of time and then it reappears after a couple weeks. I have a copy of the check that cleared, spoke with the manager after I sent the copy and the balance was removed and it was back again. After speaking to him it was removed once again only to reappear a few weeks later.

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 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I signed up for free credit reporting on XX/XX/2019 on the Transunion.ca website. I accidentally made two accounts because there website shows that my account was unsuccessfully made. In both accounts, I added my credit card information. A day after the creation of the account, I received two bills that are pending on my credit card, which are both {$19.00}. I tried calling them to cancel my account but I could not get a hold of them. Additionally, at the creation of my accounts, they are supposed to send me an email confirming the creation but they never did.

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