BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: VW Credit
State: KS
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:
I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX  will not inspect the care unless Audi first sends the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a XXXX Credit Report, Local Police report on the Identity Theft, IdentityTheft.gov file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another XXXX Charge card. XXXX acknowledged that the other one was fraud, but the XXXX card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time XXXX Charge Card was opened I was XXXX overseas in The XXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible credit score. I have served 10 years in the XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: World Omni Financial Corp.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Re- XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX 2017 XXXX XXXX XXXX XXXX XXXX XXXX I am having problems with my Auto Loan. 
Despite that I had in many occassions attempted to resolve this matter with XXXX XXXX XXXX, but of no avail. 

The main issues in question is that when I summit payments with additional principal. 
XXXX XXXX XXXX would not apply my funds to principal. Instead they would apply my additional principal as advanced deferred payments. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Between XXXX and XXXX, I applied multiple times for credit limit increases on my existing credit cards with Citi. Despite maintaining a responsible financial profile, my requests were consistently denied. The reasons provided for these denials varied each time, including explanations such as insufficient credit history or inadequate income, which did not align with my financial circumstances. 

In addition to seeking credit limit increases, I also applied for other credit card products offered by Citi during this period. These applications were similarly unsuccessful, with denials accompanied by different, often inconsistent reasons that seemed disproportionate to my financial standing. 

As an XXXX-American residing in XXXX, CA a city with a significant XXXX population the recent findings against Citi for discriminating against XXXX Americans have led me to believe that my ethnicity may have played a role in these repeated denials. Given the nature of Citi 's discriminatory practices, particularly targeting surnames ending in -ian and -yan and individuals in regions like XXXX, I am concerned that my applications were not evaluated based on financial merit alone. 

This realization has prompted me to question the integrity of the application and evaluation processes I underwent and whether they were affected by the biases identified in the CFPB 's findings. The varying and unclear reasoning behind the denials further fuels this concern.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: MD
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:
I am a natural person. I have rights under 15 USC 1681 Experian is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Experian written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance. With the Fair Credit Reporting Act, all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave Experian a copy of my FTC filing stating that the accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all accounts are inaccurate and invades my privacy on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Experian stated they did an investigation however all 3 credit files are still inaccurate I want all accounts deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy 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 2022-03-09
Company: Construction Credit and Finance Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Construction Credit & Finance Group LLC contacted me via phone and left a message attempting to collect an alleged debt.

Construction Credit & Finance Group LLC as of today 's date is not licensed to collect debt in the state of Washington.

I called the Washington Department of licensing and verified this and verified via web search.

Washington law requires debt collectors to get a license from the Washington State Department of Licensing ( DOL ) and post a bond before attempting to collect debts. They must renew their licenses yearly. Out-of-state debt collectors also have to get a license before attempting to collect from Washington residents. ( Wash. Rev. Code 19.16.110 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Resurgent Capital Services L.P.
State: GA
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:
After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel is not does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is RESURGENT CAPITAL SERVICES ( RCS ). The creditor is listed as XXXX XXXX. The account number is XXXX. I sent XXXX a certified letter in requesting documentation and proof that this account belongs to me. XXXX tracking shows that RCS received the letter on XX/XX/2021 more than two months ago. I have not received any correspondence from RCS. I want RESURGENT CAPITAL SERVICES to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : 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 2023-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX I recieved an email from Citi Bank that my Credit Limit was reduced from {$9000.00} to {$1000.00}. Leaving me {$20.00} of credit. I have never been late on any credit cards in my life and have good credit. They did this to me a few months back on XXXX XXXX XXXX  XXXX. A few weeks later XXXX from The Citi Executive Response team called me and apologized and reinstated my {$9000.00} credit. But now the same thing is happening. So I called and spoke to XXXX an Escalation 's Specialist thinking this problem could be resolved again. She was extremely rude and was of no help. My Father just passed away and my mother is on her dying bed literally. I think this is just awful to treat people like this and rip out credit needed. Credit Card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me again. 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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 credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is XXXX XXXX real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly. 

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them. 

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: ID Analytics, Inc.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: ALLY FINANCIAL INC.
State: NJ
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:
My vehicle was totaled in an accident on XX/XX/19. Ally Financial refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with 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 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX announced that they were shutting down and all accounts including checking, savings and credit cards would be deactivated by XXXX and gave instruction on withdrawing money and paying credit card bill. I was told that needed to submit my credit card payment by adding money to my account which I couldnt because I have no card to added money to a closed account. I was told to try ach deposit I tried that as well and the deposit was rejected due to account was closed then I was told to try a wire transfer and that was rejected due to account is closed I have been trying to pay XXXX dollars for months with no luck from the company and every month they are reporting a 30 day late payment for XXXX dollars even tho they have not provided an adequate way to pay the bill. This inaccurate reporting has hurt me profile significantly

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 2023-03-03
Company: EQUIFAX, INC.
State: MA
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. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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.

15U.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 belielve that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Self Financial Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A year ago, I got a Self Lender credit builder account and made all of my payments on time and paid off. Instead of getting the fund back at the end of the term, they offered me a credit card which I accepted to build my credit further. 

My funds of {$450.00} was transferred to the secure credit card. My credit card was in good standing until XX/XX/2021, when I lost my job and was going through hardship. 

They decided to close the account because because I was making payments. I understand that and was fine with it. 

The problem is that, they decided to keep my {$450.00} as charge off. They are not giving me the option to pay it off in full and then have it returned to me. That was my money. Its unfair that they get to keep it without if working with me. I also had to pay {XXXX} In fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-04-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX  XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP! I am having an issue with opening a personal checking account and possibly an issue with opening my business checking account as well. There was a reporting in the CHEXSYSTEM database that I owed an old account that had already been resolved. Please see attached documents. I look forward to settling this error on my account.

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