BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. 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 or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : 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 2022-10-26
Company: EQUIFAX, INC.
State: NC
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:
Under 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: ALLY FINANCIAL INC.
State: MI
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:
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.

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 2020-10-18
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -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
Consumer complaint received 2020-10-18
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with Geneva financial in XX/XX/2020 when Covid hit. When housing market fell due to Covid I no longer qualified for loan, however when it began to open back up I was able to qualify and was eventually approved for FHA loan. I received approval through AUS system and underwriting. Loan officer XXXX XXXX said I could close XX/XX/XXXX. However, this was moved to XXXX due to incomplete paperwork. I was then told I could close in XXXX and that my file was completely normal but paperwork was again missing because I had to apply for new FHA case number and get a 2nd appraisal done. After that was completed, I was told I could close but XXXX DPA paperwork was not completed. As a result of disorganization of loan officer XXXX XXXX, XXXX XXXX, and, processor XXXX XXXX, I was never able to close. I believe this was racial discrimination becsuse my file was perfectly fine after the market opened back up in XXXX and I received approval from XXXX along with closing disclosures. There is no reason why it was XXXX and I still was not able to close other than they were purposely delaying the loan because I was a minority. I want this marked on XXXX XXXX 's file as racial discrimination and lack of organization. I chose not to disclose my race for this very fact, however they put it on my application anyway without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: VW Credit
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title. 

Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender. 

This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report. 

I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible. 

This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information. 

Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I'm writing to ask you to remove the accounts and data listed below from your consumer report. The following accounts and pieces of information shouldn't be included in my consumer report. This is a clear violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has to be removed from my consumer report right once. Remove these accounts and data right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: SC
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:
Many complaints and certified letters to XXXX XXXX and Equifax requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
Step 1 : What is this complaint about? 
Credit inquiry placed on XXXX Credit Report on XX/XX/2020. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 
I did not apply for credit with REGIONAL ACCEPTANCE. I am unable to resolve the issue with the company. The company is not responding or answering phone calls. 

Step XXXX : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/2020. I contacted REGIONAL ACCEPTANCE at ( XXXX ) XXXX, and was not able to speak to anyone to resolve the issue.

Step XXXX : What company is this complaint about? 
REGIONAL ACCEPTANCE Step 5 : Who are the people involved? 

REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( 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 2020-09-10
Company: Nelnet, Inc.
State: SC
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:
XX/XX/XXXX, XXXX, XXXX, and XXXX 2020 .... called numEros times about the process of my refund. On the XXXX i called to ensure process was going correctly, confirmed bank info as was told was documented correctly. The XXXX i called again and was assured everything was okay and my refund would be in my account the following day. The XXXX of XXXX i received an email saying my refund was returned because of error in my account number, which was suppose to be correct as was told so in the XXXX and XXXX. On the morning of the XXXX a agent at nelnet informed me that if I were to upload a new account and routing number, which was done while on the phone with the gentleman, he n said that this would prevent a check from being printed and sent. That nelnet would process my refund via direct deposit too the bank and account number documented. He confirmed the bank and assured me that all information was correct. He even followed up the bank routing number and recorded that n the process would be successful. Well today, XX/XX/XXXX I noticed on my account a check had been printed so I called once again. This time not one but two agents told me I was infomed incorrectly that they would not be attempting to process my refund a second time, that the gentleman gave me false pretensions and there was no other options but too send a check. They could not tell me why my refund was returned, even though in the past, it was always successful, which I didn't understand due to the fact that my information had not changed. The bank and account number used before was still the same. The two agents were very rude, talked over me the entire call and even went so far as raising their voice. They were not helpful too the matter, nor seemed concerned to attempt to be helpful or ensure my satisfaction or understanding of the matter. They only said that they were aware I was misinformed and reported that the check was printed but not yet sent. Therefore they had opportunity to put hold on sending the check and attempting to process my refund with a new account and routing I provided. I am very unhappy and forced in a situation that could cause financial crisis, as of being homeless due to the fact that I may have to wait another 10 days to receive funds. I understand nelnet had had processing issues in other cases more than once. I am aware there has been complaints due to the same issue and that this seems to be an reoccurring issue. I hope this matter can be resolved in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: NY
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  Account # XXXX XXXX XXXX XXXX, has 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 a account without my written instructions

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 2018-09-16
Company: SYNCHRONY FINANCIAL
State: NC
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:
XXXX XXXX XXXX XXXX XXXX  Walmart These were just a few I noticed I didn't apply for called company didn't 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 2020-10-18
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was put into collections by a medical company named global radius solutions for XXXX in the month of XX/XX/2020 that is false I have insurance and not only that I have not visited that medical facility and I dont not have any prior acknowledgement to this account I have previously disputed this account and similar accounts in the past the account continues to regenerate into collections every time it is deleted please help me I have used XXXX  and XXXX XXXX to dispute account nothing is working.

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 2020-06-01
Company: Experian Information Solutions 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-04-28
Company: HW Holding, Inc
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX  HWARFIELD ( Original Creditor : XXXX XXXX  XXXX  ) XXXX** ... XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX**** ... XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX  with regards to a charged off account with XXXX XXXX XXXX XXXX XXXX. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX   XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX  XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX  was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX XXXX  XXXX is what XXXX updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my XXXX  report, but unfortunately the account currently remains active on both XXXX   and Experian reports. A dispute was initiated with Experian / Report # XXXX on XX/XX/XXXX and with XXXX  requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX  deleted the account from my credit report, Experian and XXXX continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX  on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why Experian and XXXX continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . 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 2019-11-01
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

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 2020-09-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT

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