BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I contacted Volkswagen Credit and informed them I received my car title and my name on the title was not correct. I was advised to mail the title back via regular mail and they would correct the issue. I mailed the title back on XXXX XXXX via regular mail as advised. On XX/XX/XXXX, I contacted Volkswagan Credit again that I have not received the title with my correct name. I was advised to go to DMV and they would fix Volkswagans mistake since that title is in my maiden name. I updated my legal name with Volkswagan in XX/XX/XXXX and was advised no additional paperwork was needed to update my name change. On my online account my correct name is listed. The DMV treats any changes to the title without the title as a duplicate and charges a fee. I am just looking for Volkswagan Credit to correct my title with my correct legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2021-09-02
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX the natural person " consumer '' found violations the credit reporting agencies is violating by reporting this unauthorized information on my consumer report. Pursuant to 15 USC 1681a you should reporting my consumer report with no factual information. I would like these account listed in the documents included block and deleted. I do not consent to any electronic response from debt collectors. I am the original credit who extends credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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 recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to XXXX and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I received an email from what I thought was XXXX stating that I submitted a payment that I did not authorize. I called the phone number on the email and spoke with a man identifying himself as XXXX XXXX, who I believed to be a XXXX representative. He asked me for my social security number and banking information so that he could access my XXXX account which I provided him with. Shortly after providing my information to XXXX XXXX, I received a phone call from my son who oversees my accounts to prevent this type of activity from occurring. He informed me that a XXXX payment for {$500.00} was submitted to XXXX XXXX, that I did not authorize or send. I quickly hung up with XXXX XXXX and called Chase to try to stop the activity. They froze my accounts. On XX/XX/22 Chase bank reversed the XXXX payment of {$500.00} to give me my money back. Then on XX/XX/22 chase bank reversed that payment resulting in a debit of {$500.00} after further investigation. When I spoke with them, they told me that by providing this man with my information, that authorized the XXXX transaction. 

I am XXXX XXXX XXXX with XXXX XXXX causing confusion and impacting my memory and ability to process things in the moment. My doctors believe I may be showing signs of XXXX and I am being medicated for these XXXX XXXX. I was confused, foggy minded, and truly believed I was speaking to XXXX XXXX from XXXX. I explained my cognitive challenges to Chase bank and they told me there was nothing they can do to help me. I did not authorize this payment and provided my information to this third-party while not in the right mindset. I was scammed and want my money back. By not giving me my money back, Chase bank is allowing elder abuse to occur!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX 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 u.s.c 1681 Account name XXXX Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may 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 antedated 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 to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

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 2021-10-06
Company: Equihome Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was sent a solicitation by US Mail from Equihome Mortgage ( NMLS # XXXX ), which was trying to get me to refinance my existing mortgage with them by making false claims. 

As you can see in the attached image, they advise that if I refinance my with them I can eliminate monthly mortgage insurance premiums from my loan with XXXX and save hundreds per month, with other possible benefits as well. 

Two false claims here immediately jump out : 1 ) My loan is not with XXXX. 
2 ) I put 20 % down when I purchased my home back in XXXX and have never pulled any equity out ; so I do not have - and never have had - mortgage insurance. 

This type of advertising is predatory on consumers. If I believed what is in this letter, I would think its possible that there is another mortgage out there in my name that Im not aware of ( with XXXX ), or that I need to refinance to save hundreds of dollars ( that Im not spending ), etc. 

Please address this with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I financed a vehicle thru Santander Consumer USA on XX/XX/XXXX I put a down payment of {$8900.00} which I later found out that this act was illegal due to the fact that my social security number was used to facilitate this Consumer Transaction..After studying Consumer laws I found out that I was violated in many ways..I sent out certified letters to Santander to discuss remedies and I was ignored..Then on XX/XX/XXXX XXXXMy vehicle was unlawfully repossessed without any judicial action.. see 15 USC 1692 f

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: MO
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'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX  XXXX {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX  XXXX  {$71.00}, [ 5 ] XXXX   XXXX {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX   XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX  XXXX XXXX, [ 11 ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: National Credit Adjusters, LLC
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:
I did not allow XXXX XXXX or any loan company and to run my credit. I do not remember opening any cash loans. I was a victim of identity theft. I will upload the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 crime which antedates the report more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: OH
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: Billing dispute for services

Complaint:
I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail 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 2019-05-03
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018 the company by the name of XXXX XXXX XXXX XXXX XXXX XXXX  Located in XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Took out {$900.00} dollars from my XXXX XXXX XXXX  account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: SYNCHRONY FINANCIAL
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a joint account with my ex boyfriend and he filed for bankruptcy in XXXX of XXXX. The account was for a water softener through synchrony bank and the remaining balance was {$1400.00} with the last payment being make in XXXX of XXXX. We agreed he would pay the bill after we split and he had to file for bankruptcy a few years later. Fast forward to now, I am trying to get any kind of information from synchrony about this account and they tell me they can't send me anything because it is in their bankruptcy department where it will stay for 5yrs, and they can't release any information about the account. I am trying to get a house built and this is showing up on my credit report as a charge off and I can't get anything from them stating what the status of this account is. I just need them to send me information about this account so I can give it to my loan officer to start construction. I have called the bankruptcy department several times and they refuse to transfer me to a supervisor so I can plead with them to send me something about this account. My name was not primary my ex was so they don't want to give me any information. I just want to build a house and they are keeping me from it. I have sent them a certified letter that they received on XX/XX/XXXX. I am waiting to hear back from them when I stumbled upon this website. I disputed this account with XXXX in XXXX of XXXX and they found it was mine but would not give me any other information.

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 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My bi weekly direct deposit is not available and has been verified as sent and amex reviews to answer their phone. Also, first day of work as a single parent and left me stranded because i couldn't access MY money for fuel!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Financial Business and Consumer Solutions.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from FBCS saying {$250.00} is owed and the original creditor was listed as the doctors office I use. I have never received any bills which is odd because they have always sent notices if I forgot to pay a bill. They have never called either and that usually happens as well. I called the doctor and they have no record of anything owed and they confirmed they do not even work with FBCS nor have they heard of them. So I looked up FBCS on the internet and XXXX  seems legit numbers and addresses match on the mail I got. So I decide I'll call the company as it must be a mistake. FBCS told me the doctors office sent it to them so the doctors office wouldn't have any record of it anymore. They said I should just pay it since it is small. They tried to make me log into a website with my SSN and when I refused to do that they said they would confirm the last 4 with me to prove they already had the info. Guy on phone sounds surprised and says " just sign in with XXXX  because it looks like we don't have the social security number ''. I get errors still can't sign in to " see '' the bill. I asked what can be done because the doctors office is saying they don't even work with you and I don't owe this and my spouse doesn't owe anything either. They told me I couldn't do anything to dispute the debt with them and would have to call the doctors office and speak to the supervisor there because I do owe the money but I should just pay it because it is small. Fbcs also said the doctors office sent the debt to them on XX/XX/2020. I have another call into the doctors office to see if any patient info has been stolen because FBCS does have the correct name, address and doctors office which is worrisome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation