BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it. 
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up. 
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial. 
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX, I noticed a charge that I was not familiar with so I immediately call bluebird American Express at XXXX. A male IVR picked up and said they are expecting higher than normal call volume or they can not answer right now, and it disconnects after 5 seconds. I thought that was very strange and unacceptable. So once I got off from work, I kept calling and a woman IVR picks up also and NEVER EVER gives me the option to speak with a live representative. Between XXXX and XXXX I made six call attempts until I gave up and said Ill just call back tomorrow. My last call was this morning, XX/XX/XXXX : same result. 

I have made over 25 phone call attempts in 7 days. I have even dialed the international number to no avail, and reached out to Bluebird Amex on XXXX, and they advised me to call the same non-working number XXXX. My phone number was provided through our XXXX exchange, and I told the person on the other side of the screen what was going on, yet no one contacted me to resolve anything.. 

That is unacceptable. If a business is holding my funds or if I am their client, I should be able to reach them anytime during operation hours!!!! Especially if I suspect fraudulent activity!!!! I have never had any issues with Bluebird and I love them, but this first-time problem is major, and intolerable! 

I also think it is ridiculous that I can not email, live chat or reach someone alternatively -- only through an XXXX number or through XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: MI
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've asked Experian to remove the XXXX XXXX XXXX account for XXXX it shows a balance of {$6700.00} the account was opened fraudulently back in 2008 well past the time frame that an account can stay on my credit report so why is it still being reported in addition to that you say it's been verified accurate but you have not provided any proof to me what proof do you have? I want to see it just saying it's accurate doesn't make it so There are also two XXXX XXXX XXXX one is showing a balance of {$6600.00} the other one is showing a balance of {$2400.00} again these accounts were opened fraudulently why are they still showing up and I've asked you to show me some proof or remove them and so far Experian just keeps reporting them but you haven't shown any proof if they belong on my credit report what information are you using because these accounts were opened fraudulently these three accounts have been removed from all the other major credit bureaus yours is the only one that these are listed on tell me what I need to do to have them removed I'm not trying to be rude but I'm going to keep fighting you until you fix my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Consolidated Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from a collection agency about a XXXX debt owed. 
Sent a debt validation letter, what I received back was a contract with no signature and information inaccuracies as to when the business was started, name of business and bussiness bank account associated. They have it listed as XXXX XXXX collection with a bank account registered as XXXX XXXX that was has been closed and shows no deposits from XXXX. The date it says the business was established is incorrect. I can provide articles of organization and filing dates to show proof of when they were registered and date established. There is no physical signature provided to either prove that it was me who authorized the account and the debt to be owed. Just a check marked box. The chargebacks in question are fraudulent/I have no knowledge of. And theyre dated XXXX and the bank account associated with the XXXX claim had been charged off and closed end ofXX/XX/XXXXXX/XX/XXXX before the chargebacks were filed with XXXX  XXXX 
I can show proof of the statements to show no intuit deposits were made to that account and the closure date. 
There is also a fraud alert on my credit report due to identity theft previously and states i must be contacted before authorizing any opening of an account. 


They transaction dates on the debt theyre claiming i owe were made AFTER the initial bank account used for this application was closed so how can transactions be made and deposited into a closed account and the statements show no deposits were made TO that closed account. And the transaction dates from XXXX and beyond are AFTER the account was closed. 


Furthermore the business name listed on this account and the date it was established are inaccurate. I have attached the articles of organization. And the business account registered in the actually business name is not listed on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. 
I have redacted personal information. 

This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. 

According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 

This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. 

I feel that I am upholding every part of the agreement, but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: The Bureaus, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
my XXXX  credit report is showing i owe td auto finance XXXX dollars.?? 

but i dont understand how i owe td auto any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe td auto any money..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in XX/XX/XXXX, I tried opening up a checking account with another back and noticed that XXXX XXXX had information that I owed JP Morgan Chase and undisclosed amount of money. I had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me, as well as they should have photos at the ATM to show who deposited and withdrew the money from the ATM at the time of the deposits.I explained that my debit card was misplaced or stolen, but still no favorable results, just copies of deposited checks with a bogus signature. 

As of XX/XX/XXXX, JP Morgan Chase or XXXX XXXX will not removed the information, allowing me to open accounts with other banks. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Colony Brands, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX XXXXXXXX AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( 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 non-monetary relief
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back in XXXX and XXXX was a very hard time for me. I lost my job and was having a hard time finding a job. In result of me not having a job I was late on my credit card payments XXXX, XXXX, XXXX and XXXX in XXXX and XX/XX/XXXX. Since then I have not been late on any payments and my cards are paid down to less than 11 percent. This really impacting my credit cards in a negative way. I was look to receive good will and erase those late payments that's reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to XXXX, Experian, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history

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 2020-09-17
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received said loan in " XXXX '' I agreed on a set payment of " {$170.00} '' per month, I've been paying this amount for " 15-months ''  consecutively, the loan was " {$4000.00} '' my remaining balance as of " XX/XX/2020 '' is " {$3400.00} '' my issue involves the application of " Interest and Principal '', is this " legal/fare/or right ''. 

The company is " ONE MAIN FINANCIAL '' in " XXXX, VA. 

I thank you for your Time, Effort And Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion did not properly investigate my dispute that I placed through the CFPB, regarding of XXXX XXXX XXXX being in my credit report. They took only a week to investigate this, without taking my identity theft fraud in consideration. I have reported this company previously to Transunion. I do not know who XXXX XXXX XXXX is and have never had any dealings nor financial dealings or interest with that company. I had reported that company as fraud over 6 months ago, to Transunion, and they removed the company and now they have allowed the company back on my credit report. Transunion is also aware that I am a victim of identity fraud and they have this alert notice on their records and still allowing fraud accounts on my report. Therefore, I want Transunion to remove the company and the charge of {$76.00} from my credit report. The charge does not belong to me and I have never had any dealings with this company.

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 2021-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Chexsystems claims that I have an open case with XXXX XXXX  for XXXX $ since XX/XX/XXXX and this is NOT true I have never had an account with XXXX XXXX  I have been having trouble with every single thing I have tried to do for more then 3 years now will someone please check these facts I am telling you here what do I have to do to get someone to listen to me and please help me out with this I am just one person against an entire corrupted system and its not fair its suppose to fall off after 3 years but yet it is still declining and denying me and its not falling off either why is that why cant I get somebody to recognize the travesty going on what do I got ta do

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Item needs to be removed off Trans Union file # 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