BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt. 
FIRST FEDERAL CREDIT ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ***** Opened XXXX XXXX XXXX Balance {$110.00} FIRST FED CREDIT CONTROL ( XXXX : XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXX XXXX Balance {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from EXETER FINANCE CORXXXX located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: VW Credit
State: FL
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:
VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express is reporting a debt on my credit file. I have tried contacting them multiple times to get this taken care of and can not get a hold of anyone. This account is so old I don't have the needed information and I want to pay the account but its impossible. I either need someone to help me or get this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX These collection agencies 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

632 of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2019-07-29
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am currently trying to get an Auto Loan for a used car and am unable to. I have applied and have been denied an Auto Loan through XXXX twice. Once on Friday, XXXX, and another time on XXXX. Each time XXXX has denied my application due to the inability to verify my identity. It is stated that this information was received from Experian. XXXX stated that the statement " Unable to verify applicant 's identity '' is from Experian, and Experian is denying the credit report to XXXX because of the inability to verify my identification. I called Experian and they stated my credit report looks perfectly fine as well as my personal information and they could not help me with the issue. They recommended I try to file for further research on their website and include documents. The only document available to me is the denial of the auto loan. I am trying to clear up why Experian is not sending XXXX my credit 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off my credit 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/ case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this account.XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX , GAXXXX ( XXXX ) XXXX, from, my Transunion 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 2021-03-01
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a loan XX/XX/XXXX with Guaranteed Rate.com. First payment was due XX/XX/XXXX. I mailed the payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. The mortgage was sold effective XX/XX/XXXX to XXXX XXXX. The new servicer, XXXX XXXX claims I was late in XXXX because my payment was never sent. I made another payment on XX/XX/XXXX so I would not be reported as late. So far I made 2 payments and XXXX XXXX is getting a third payment on XX/XX/XXXX. What can I do? Guaranteed Rate is the worst mortgage company I have ever dealt with. They pass you around from one department to the next and then tell me I have to go to the original department, servicing. I already waited over 20 minutes for servicing and they want me to start again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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 recently received a copy of my Experian Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXXXXXX XXXX XXXXXX/XX/2022 XXXX hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove

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 2023-07-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Take NOTICE ... This is my final request to have these deleted 2. Account Name : DEPT OF NELNET Account Number : XXXX off my consumer reports and credit reports... .Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX ( XXXX ) XXXX, from, my Experian 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: 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 XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; 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 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: IL
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:
Without my knowledge, XXXX XXXX stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, XXXX XXXX refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XX/XX/2019. The account has always been and still is current, yet XXXX   XXXX  is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE THIS IS NOT MY ACCOUNT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation