BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a federally protected consumer. Volkswagen credit and XXXX Volkswagen has violated my rights. Volkswagen Credit is a financial institution as defined under 15 U.S. Code 6827 ( 4 ) ( B ) I the consumer, have reason to believe I owe no such alleged debt ( s ) I am a natural person and original creditor in all transactions pursuant to 15 USC 1602g. I have received a statement including the subject matter of an attempt to collect an alleged debt for a vehicle. I am aware that Volkswagen Credit is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. I have proof labeled Exhibit A that Volkswagen Credit is a debt collector attempting to collect a debt. I am aware that the term debt pursuant to 15 USC 1692a ( 5 ) means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. To allege means something is not proven. This debt has not been proven fact meaning it is not fact. I am aware that pursuant to 15 USC 1692k any violation by a debt collector is a fine up to {$1000.00}. I the natural person has proof labeled Exhibit A, and B that Volkswagen Credit has violated my federally protected rights 16 times. This means Volkswagen credit is liable to pay me {$16000.00}. Pursuant to 15 USC 1605 that a finance charge is the sum of all charges and does not include cash. I have proof labeled Exhibit C, and D that XXXX Volkswagen did in fact require cash in the transaction involving the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MO
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this 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
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: MA
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 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 has violated my rights.

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 take 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.

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 2022-02-23
Company: EQUIFAX, INC.
State: VA
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:
XXXX ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) NHCASH.COM is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX  XXXX  XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both Transunion and XXXX. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for XXXX and # XXXX for Transunion. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are 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 2022-02-21
Company: EQUIFAX, INC.
State: MI
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 remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
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 removal 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Information belongs to someone else

Complaint:
I have already sent multiple requests since XXXX XXXX, 2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The XXXXExperian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance : {$360.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: Source Receivables Management LLC
State: MI
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:
Was told I needed to send in full acct number or social security number because the account could not be found this is per complaint number XXXX. Social security card has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-21
Company: American Credit Acceptance, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/21, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through American Credit Acceptance. Im the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which should have been included within my credit transaction, should be the sum of all charges. According to my calculations, the total of the finance charge should be {$4300.00}. I was never given copy of my XXXX XXXX XXXX XXXX. I only have the cash price of XXXX, with GAP insurance {$1100.00}, tax {$1300.00}, that the dealership gave me in the amount of {$19.00}, 670.00, plus {$15.00} title fee, registration fee {$20.00}, minus down payment of {$3700.00}, with a balance due of {$17.00}, XXXX. See exhibit A from the dealership and copy of my welcome letter as Exhibit B from the American Credit Acceptance, that the charges are {$15.00}, XXXX above the lawful sum of all charges of {$4300.00}. This completely inaccurate and unfair credit card practice that undeniably goes against this sub chapter of the TILA ( Truth In Lending Act ). The finance charge section is completely not stated on my original paperwork and according to USC 1605 ( a ) ( 5 ), this is fraud and this contract is now void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was prepared to receive a deposit from my XXXX account on XX/XX/2023. After my deposit hit my account Citibank restricted access to my accounts and sent me an email stating the accounts would be closed. Within the email I was informed my accounts will be closed within XXXX days but if I believed these funds should be sent sooner than the expected closing date, please visit your local branch. Upon visiting the nearest branch, the XXXX XXXX Illinois XXXX, I had an appointment with XXXX XXXX but ended up speaking with a Teller named XXXX. I never got his last name, but was told by XXXX they were unable to verify me so I was unable to withdraw funds from the account. I stood in front of him and provided US State ID along with my SS card and could have provided XXXX additional forms of identification if needed but was still turned away. He said I would need to wait to receive the second letter from the bank and at that point I would be able to withdraw the funds from the account. Rather than leave I called the number on the original email that stated I could go to a branch to receive my funds and they stated I had to wait until the account was closed and a check was mailed to receive the funds in the account. Before being disconnected from the call by the telephone rep I asked her what date would the account be closed she said XX/XX/2023 I asked her if this was the official date. She said without hesitation that it is. If I receive this XXXX letter prior to the XXXX I will drive back to Illinois to make my withdrawal in person. Otherwise I expect a check to be en route by the XXXX of XXXX. These XXXX things were quoted to me directly by employees the phone conversation was recorded and the branch employee works at the XXXX XXXX Illinois branch.

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 2022-02-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/COLLECTIONS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation