BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for credit with AUDI FINANCIAL SERVICES and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXX XXXX  Fully Loaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act " XXXX XXXX  XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX/XXXX ruined my credit over a dispute. I had excellent credit until I moved and they charged me for early termination of the security system that never worked ( I had monthly conversations with XXXX in their technical support dept ). The {$1700.00} they sent to the collection agency I was told included the equipment, which was returned to their XXXX XXXX office. I have no problem paying for the cable service even though I moved, however, I refuse to pay for the additional charges they are asking for and I can not get them or the collection agency to look into the bill. I have asked for detailed statements and they refuse. I asked them to look into the complaints for this security system that never worked and they refused. They only say pay the bill or we will ruin your credit-WHICH THEY DID!! I paid the bill every single month for three years and when I moved out the new person, XXXX XXXX, ran up the bill for three months and I got stuck with that also. I notified them and they told me too bad you should have disconnected the service when you moved. I would like to get this corrected because I am trying to get a job but this is hurting me. I moved to a new state and can not get housing because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Bureau of Accounts Control
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX  the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX  was NOT really doing any investigation on dispute and was not willing to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: GOLDMAN SACHS BANK USA
State: NE
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:
XXXX XXXX switched from XXXX XXXX to XXXX. I had a payment scheduled for the full amount of my balance, but the payment was cancelled by XXXX during the transition. Apparently, this was done with everyone. They sent out an email to sign up through the XXXX website but the website constantly crashes, no one will answer the phone or emails and I can not make my payment. They say late charges will be waived but it says nothing about interest. I want to pay but can not pay do to not having a payment address, statement and not being able to get into the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
their are debts and collections on my account which is not associated to my Credit report and is not my debts and unauthorized hard inquiries. please give this your attentions so I can purchase my first home before I die.

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 2023-02-14
Company: EQUIFAX, INC.
State: IL
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:
their are debts and collections on my account which is not associated to my Credit report and is not my debts and unauthorized hard inquiries. please give this your attentions so I can purchase my first home before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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 contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

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 2023-08-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and to my surprise all three credit bureau ( XXXX, XXXX XXXX, equifax are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: LA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$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 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX XXXX and I will attach the documents. Also, the amount that XXXX XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$8400.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. The account I had with XXXX XXXX was in XXXX Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2017-03-29
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 bureausmust 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

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 2021-02-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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 purchased an item from a merchant but they were not responding to my multiple requests to return the item. Finally they sent me the return label and I returned the item but Citi Bank is refusing to credit my account for the returned item. See attachments.

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 monetary relief
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: IN
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:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, 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 2023-02-26
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a refund issued for a terrible experience with airbnb. I was granted a partial refund on XX/XX/XXXX, the day I called XXXX about the issue. Chime had nothing saying a refund was issued. Skip forward to today, 11 days later, I call XXXX again, as there was an issue on their end as well and I got that taken care of. I was told to call my bank to check on the refund, and today, after talking off and on with them since the XXXX... they had a note of the transaction magically be there after not seeing it for 11 days, and it said it hit my account. 
However, it did in fact NOT hit my acct. I was broken down in a car in Nevada driving back to XXXX and was desperate for that money to hit and it never did. I did math of all my transactions to ensure I didn't XXXX myself over with my low funds I had, and there is no {$420.00} refund anywhere in that. 
My statement also claims I have nearly {$700.00} more in my account than I do, so I feel very scared about there being a larger chunk of money missing than my refund. I have noticed keeping track of things on paper not lining up with my bank ... my card has been used by XXXX quite a few times, I'm getting a new one sent. 
I project I am out {$1100.00} in total. Ultimately, I want my {$420.00} refund from XXXX, and an explanation as to why my statement shows {$690.00} more dollars than I have. Nobody will tell me, phone representatives stay silent when I ask, at least 2 of them, silent. I feel very uncomfortable having my personal info and money in this company.

This is far from the first time I've seen large portions of my money go missing, or have had my card used by XXXX specifically multiple times for purchases not made by me since having Chime. 
I've attached my chime statement a representative told me she was reading from today that shows I have XXXX more than I have. She told me that wasn't on my statement and when I asked her why the balance shows as such, she and the next representative refused to say a single word to me. 
I'm incredibly positive this is real money that is missing from me and I'm devastated and horrified to realize that thinking money has been going missing the past few months seems to actually be happening...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: FORD MOTOR CREDIT CO.
State: IL
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 this creditor has violated my rights under 15 USC 1681 section 6o2, states I have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # 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 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
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:
Und

er the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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