BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: VW Credit
State: MA
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:
Two years after I received a payoff quote, paid off the car, and completed my obligations to VW Credit, VW Credit will not release my title They claimed that my odometer statement was not done correctly. 
I re-sent the same odometer statement that I sent originally, with no alteration. 
They said I would get my title in 4 to 6 weeks.

Two months later and they hadn't sent the title. 
They claimed it was their vendor 's fault. 
I looked for VW Credit on consumer databases including this one, and found that they have withheld titles from many people after payoff. 
I looked for legal advice about getting my title back. 
I got a bizarre call at home in which a representative for VW Credit told me that I am obligated to tell them the name of any attorney that I speak with. 
I entered this complaint, along with a transcript of my interactions with VW Credit two years after payoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 day demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX Visa for {$480.00}, and Capital One for {$190.00} and {$190.00} totaling {$870.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 

I did as the lender asked and repaid the {$480.00} from my XXXX XXXX Visa and the {$190.00} and {$190.00} from my Capital One MasterCard. The deposits were returned on XX/XX/2021 - over 30 days later. 

The deposits were made from a XXXX XXXX XXXX account. 

Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that the FBI could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 

I thought that the FBI could perform a search on this XXXX XXXX XXXX account # XXXX and see if this account had made any other deposits in any other bank account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, my FICO score on Experian website dropped by XXXX points ( from XXXX to XXXX ). When I checked their site for the reason, it says XXXX of my accounts was reported as XXXX days past due. However it does not say which account it is. I downloaded my detailed credit report from their website and all accounts are in good standing. I have NEVER missed a payment on any account in my life! 

I have made several attempts to dispute this derogatory entry on my report with Experian. Every time, they refuse to help because the credit report does not show the name of the account that is past overdue. I keep going in circles with them and I get no assistance to remove this entry from my report. 

I cross-verified this with XXXX and XXXX, and they do not have any such entry. My XXXXredit score there is excellent ( XXXX ) with all accounts in good standing. 

Since this derogatory remark has severely impacted my credit score, I need to get this removed asap. Can some please help me?

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 2023-06-01
Company: Experian Information Solutions 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:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distress and inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous and misleading. 

Moreover, it is important to note that these inquiries and accounts have been reported without a permissible purpose. According to the FCRA, credit inquiries and account reporting must be conducted with a legitimate reason, such as in connection with a credit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. 

The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. 

I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. 

Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. 

I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g., 30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 sent me email stating my XXXX had changed shoes a card inquiry On XX/XX/XXXX for new card. I didnt do that

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 2022-12-16
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX claiming there is an inaccurate debt owed that was already paid prior to services being terminated. Debt collection agency still calling multiple times a day attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Three bank accounts have been fraudulently opened in my name on between XX/XX/2021 and XX/XX/2021. As soon as I discovered this, I called each bank and requested them close the account due to fraud. The initial bank, Axos, was opened in XX/XX/2021, I requested closured in XX/XX/2021. However, they did not close it until XX/XX/2021 when I followed up with an email requesting the account be closed, to remove any charges on the account and take steps to remove information from the account. I also asked that they send me a confirmation that I am not responsible for charges on this account. I received an email back stating the following : Account ( s ) were opened on XX/XX/2021 with the information you provided The account ( s ) were closed on XX/XX/2021. 

and A request to remove the inquiries from your credit report has been submitted However, they declined to " agree with the claim that there is or has been identity theft or fraud against the consumer listed above ''. They also did not confirm that I am not responsible for charges on the account. When alerted to the fraud, Axos did not immediately close the account. When further followed up on, they still will not confirm the fraud. 

XXXX XXXX  was the second bank where an account was opened. I contacted them to alert of the fraud, they opened a case and closed the account. Though I still continue to receive account information in the mail, including checks. 

XXXX XXXX XXXX XXXX was the third account fraudulently opened in my name on XX/XX/2021. I have alerted them of the fraud and asked them to close the account. I have been unable to reach anyone in the fraud department. 

Banks are required to confirm the identity of their customer and these banks failed to do so. They should have controls in place to recognize when the customer has not provided the required documentation and then immediately close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01
Company: EQUIFAX, INC.
State: DC
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 XXXX and Equifax a letter asking the method used to retrieve a bankruptcy they are erroneously reporting on my credit report. They never responded. 

I went directly to XXXX to dispute the item in question and XXXX could not verify this item so they deleted it from their database. 

By way of this complaint, I am again reaching out to XXXX and Equifax to show them the deleted bankruptcy from XXXX and informing them that if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. Refusal to delete this item is impeding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.

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 2022-05-01
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATIONXXXX  Account # XXXX US DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX  Account # XXXX 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 2021-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST XXXX SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX  that my personal information was in fact compromised during the 'XXXX  Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Account information incorrect

Complaint:
NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few months ago I received a notice from Wells Fargo indicating that my escrow account was deficient by some {$450.00} or so. After reviewing the escrow I determined that WF has renewed my homeowners insurance policy with a 49 % increase without notifying me. I went on line and secured a few quotes and bought a policy from XXXX and prepaid for the year. I notified WF and sent a copy of the binder. I received a call from one of their many contact points acknowledging receipt of the policy binder.

A week or so later I received a notice that my mortgage was overdue and then a number of letters from various departments and their " executive offices '' indicating that they would complete an analysis of my account and I would receive a written response by XX/XX/26 - yesterday. Today I received a phone call from their collection department and again, the person calling had either no or incomplete information on my account. I am at a loss as to how to prove to them that I am not in arrears, never have been and their incompetence and attempts to cover for their poor performance is stopping me from refinancing. 

I will upload documents and letters, not all of them because they are redundant and 2 inches deep, that clearly show each of my payments made on time. I wonder how many other escrow accounts they have irresponsibly handled and how many other people have been subject to their corporate papering to cover up their irresponsible escrow management.

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