BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), I am writing to dispute the charge-off that appears on my credit report for XXXX XXXX XXXX XXXX I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
Experian has reinserted an account on my credit report and are now saying that it has been verified when in fact it has not. They have no employees looking at these reports only the e -oscars that are digitally verifying these accounts against address not really investigating with data furnishers and not providing proofs as required by the FCRA . This metro 2 format nonsense they are relying on to verify these accounts are not in requirements with the FCDPA or FCRA.

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 2020-09-20
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : CREDIT ACCEPTANCE # XXXX Dear CREDIT ACCEPTANCE CORP, I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by CREDIT ACCEPTANCE CORP in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Ohio UCC 9-611, ( Sections R.C. 1309.611, 1309.612, 1309.614, 1309.601, 1309.709 ), and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. In addition, to proof providing I was notified of Date, Time and location of sell. As I did not have the opportunity to recover. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

A copy of this will be sent to the Attorney General office, Credit Agencies and added to the Consumer Financial Protection Bureau complaint data base. So, there is record requesting this information. If requested documents are not provided, I request you to Delete this account from my credit report, or I will seek damages as within my rights. 
This will be mailed certified with US Post Office with tracking number for purpose of date of delivery and used for damages, if required. 

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 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX  ( XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Westlake Services, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan Westlake Portfolio. My credit report is reflecting that I have two loans on the same car. I have requested documents from Westlake and I have yet to receive documents.

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 2023-04-25
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Chrysler Capital (acct# XXXX) $XXXX
XXXX XXXX XXXX XXXX XXXX TX 76161

Contacted via email and phone calls multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, XXXX, XXXX, And Transunion. XXXX AND TRANSUNION Were able to verify that the account did not belong to me but XXXX reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.

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 2023-09-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Early XXXX set up account with Nelnet, applied for XXXX plan. Was given estimate. Waited 10 days as usual. Sent email after being on hold XXXX XXXX XXXX ( with no response, and was in fact hung up upon ) saying it was still in progress. XX/XX/XXXX and XX/XX/XXXX sent XXXX identical emails saying that it was stilling progress. 

As of today, no communication since, no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please see complaint # XXXX. However, the notary assigned to closure on the loan today did not show at the scheduled time, even though the closing was confirmed by both email and phone. During the confirmation via phone, she also indicated that she did not receive the necessary information from the title company, but indicated that she would keep the appointment. Please see email below : -- -- - Original message -- -- - From : XXXX XXXX Be XXXX To : XXXX Subject : Closing Date : Saturday, XX/XX/2020 XXXX XXXX I am a notary confirming our appointment today at XXXX XXXX Please call XXXX XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I had approximately 6 credit cards ( Capital One, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX ) and with each of them I opted to pay extra monthly for " credit protection ''  which claimed in case of identity theft or an unexpected event took place such as loss of employment, or injury occured my balances would be taken care of. After seven years of paying into said " credit protection '' following an negative occurrence which lead me struggling to keep up with my payments till eventually not being able to even meet the minimum payments ; the " credit protection '' was nothing more than a waste of money that did the opposite of protect my credit. It lined the pockets of the financial institutions and destroyed my credit. I had contacted my creditors numerous times, but it was a waste of time that led me from one representative to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was not only sent a defective product from a company, that company cnaceled the rest of my order and never shipped it after I filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2023-05-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I just started banking with Chime I used thier pay any one feature had funds sent to a contact in my phone they never received the transfer off XXXX I called them and they said that that person had a chime account before on the website it says the recipient can receive money via XXXX XXXX XXXX etc. That person never recieved a conformation text saying I sent the money. He no longer has a chime acct and wanted the money to go to his active checking acct with XXXX XXXX XXXX was never given an option on how he wanted his funds recieved on top of that there stating it going to take 45 days to dispute the transaction not fair when your not giving people the option on how they want there money to go now im out off XXXX I had to pay this person with more of my money that I dont have its very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Investigation took more than 30 days

Complaint:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used Remitly mobile Application to transfer money to XXXX, While processing this transaction on XX/XX/XXXX it was told that money will be received by the receiver on XX/XX/XXXX which dint not happen when I check it now it said money will be deposited on XX/XX/XXXX of XX/XX/XXXX, after calling the customer service they were not able to help me with a genuine reason in delay of the process, Meanwhile I also checked my bank account if the funds were debited or not. Good news money was still there in my account and I asked the representative to cancel my transaction as I can not wait until XX/XX/XXXX, as soon as I canceled my transaction the money was debited from my account? Which is cheating and as per Remitly they will process my refund in 7 business day. I need the money as I need to send it to XXXX ASAP. 
Please help me get my money back ASAP Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation