BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: VW Credit
State: MA
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 purchased a new car from XXXX XXXX Audi of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX/Audi input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay VW/Audi was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted VW/Audi on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that VW/Audi Financial were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to VW/Audi Financial via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to VW/Audi Finance, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

VW/Audi Finance 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4400.00} ;

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 explanation
Consumer complaint received 2018-01-04
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I believe my home was paid off after XXXX XXXX when ny husband died. No more statements and a broker search found no open mortgages. 2 /3 years later Get statements from Caliber Home Loans, never heard of them and XXXX XXXX served with papers for foreclosure. I wrote NYS DFS and contacted Caliber and Caliber did not have me on for any foreclosure bur I was getting papers from XXXX For XXXX. The week of XXXX my former attorney ( friend in community ) emails me Notice of Sale docs filed with no date but I had a XXXX done Title Analysis which suggests Fraud and said I have case and neither Caliber or XXXX or XXXX are listed anywhere. It lists XXXX XXXX XXXX which is paid off satisfied. It also states {$120000.00} from a closing in XXXX that we were told was an error and looks like it was filed and attached to our refinance. I need to halt court actions while we can prove false, fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-03
Company: ATG Credit, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ATG RESPONSES TO MY LAST COMOLAINT AS SHOWN " Upon review of the call recordings of the outbound calls made to the consumer and there was no evidence of obscene, profane, or other abusive language used by the collector. The consumer refused to identify himself on every attempt to contact. Furthermore, attached are the Merchant Agreement, Merchant Statement and Store invoice to validate the charges of {$15000.00}. We are happy to negotiate payment arrangements via LiveChat on our website www.atgcredit.com or via phone at XXXX '' is direct evidence that they have contacted me the consumer in regard to a debt without the direct consent of i the consumer or the express permission of a judge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On or about XXXX of XXXX I opened a secured charge card account with Capital One. I deposited {$500.00} and was given a {$500.00} limit. I made several payments for 6 months. From the best of my recollection, I did not receive statements several months. I paid using a phone call in and gave check number. Sometime in XXXX of XXXX I realized that late payments hit my credit report. I called Capital One sometime in XXXX to cancel my account and use the money on deposit and close the account. 

Capital One never sent me back the deposit, which was fine as I figured they used it to pay the card off even though I don't think I charged {$500.00} I never thought about it. I have credit and pay most everything with check or debit cards anyway. Several months ago I was offered several credit cards and accepted them. That prompted me to check my XXXX XXXX which was at XXXX. However, I noticed I had XXXX closed accounts, XXXX car payment with 100 % payments on time and this Capital One. 

The car payment account was fine with 100 % of payments on time. But when I looked at the Capital One account it had a string of late payments and closure of the account by the lending company. 

According to Capital One 's reporting I paid XXXX and XXXX of XXXX on time, but was 30 days late in XXXX and XXXX, and on time XXXX and XXXX. in XXXX they marked XXXX late payments. But I asked them to close the account in XXXX with the funds I deposited. 

I tried calling Capital One to get this resolved and see what happened to security deposit and they said they had no record. Perhaps the people that take calls are not allowed that access. 

Anyway, while this is only a {$500.00} item and will come off next year anyway I would like my record to accurately reflect what happened. While I can not remember the details to dispute the XXXX red marks in XXXX I absolutely recall telling them to close the account. I also sent a letter based on what I was told at the time. 

Thanks, and any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 was a victim of identity theft. I did not have the option to upload these documents and was advised to mail them. To be honest, mailing letters to the credit bureaus has been a complete waste of time because nothing has been done. Attached you will find the following : Dispute letter ( Identity Theft ) Police Report FCRA 605B Photo ID

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

This complaint is from the consumer who is also the natural person.

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 2019-12-23
Company: Performant Financial Corporation
State: TN
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:
My case was handed over to Performant recovery. I was XXXX  and had just found a part-time job in TN. So I had moved to TN, and began to work. I was contacted by performant, who harassed and kept calling even though I was paying out 50 % of my wages, they went ahead and garnished my wages, and my income tax refunds. After five years of asking for an account balance, they could not find it. The last time I got hold of Performant, I was placed on hold for hours at a time, to be told my account manager was out that day and to call back, as they can not find any records at all of my cases. 
Now, after no contact for two years, I try every couple of months, after paying in over 10k for XXXX XXXX loan, I now get a bill and a threat from XXXX XXXX XXXX claiming I owe over 4k and need to pay XXXX $ handling fee. This whole education was a scam, the college lied claiming I would have guaranteed a job, which once I found out I was going into debt for a useless degree, I quit. Performant lied, harassed, and lost my account? 
I was making payments, once I found work, but was so underemployed I found it difficult to service. To this day this whole debacle has been destructive to my entire future. I have been trying to resolve this, how can I when I get lied to and cheated by every entity involved?

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 2018-01-04
Company: Experian Information Solutions Inc.
State: CA
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 disputed the reporting of XXXX XXXX XXXX reporting a $16000+ outstanding balance.  This account was included in bankruptcy and NOT reaffirmed.  I submitted a copy of the US Bankruptcy Court's denial of reaffirmation multiple times to Experian, XXXX, XXXX and XXXX XXXX XXXX and it was not corrected.  In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.

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 2023-11-08
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company trying to collect on debt that I have no knowledge of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things. 
About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing. 
XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing to inquire about a possible resolution to the issue I am facing with the wire transfer scam investigation ( XXXX XXXX # : XXXX, scammer 's Citi account XXXX XXXX ). Recently, I fell victim to a wire transfer scam when I wired {$9400.00} from XXXX to Citibank to purchase a watch as a wedding gift from my wife to me. Unfortunately, the seller never sent the watch and disappeared. To confirm that it was a scam, I conducted an email test from a different account. Since then, I have filed an XXXX report, a police report ( XXXX from XXXX, XXXX ), and an FTC report XXXX XXXX ) regarding this incident. 

On XX/XX/XXXX, I made the wire transfer and realized it was a scam. I promptly filed a claim with the XXXX claims department and initiated a recall on XX/XX/XXXX. Since then, Citibank has requested a police report and a hold harmless letter. XXXX provided both the police report ( XX/XX/XXXX ) as well as the hold harmless letter to Citibank ( sent via physical mail on XX/XX/XXXX and via fax on XX/XX/XXXX ). However, Citibank is unable to process a recall as they are unable to contact the beneficiary to return the funds and advised me to contact the beneficiary directly to resolve this matter. I am unsure how I can contact the scammer to recover the funds. 

Even with the cooperation of authorities like the police department and FBI, the inconsistent responses and lack of support from Citibank have added to my frustration and distress. I understand that I made a mistake, as many people do at some point in their lives, and I take responsibility for it. However, I was trying to save as much money as possible, as those funds were intended for our wedding gift. This situation has left me deeply devastated. I have always believed that a reputable bank like Citibank would stand by its customers, not the scammers. I had hoped for assistance in recovering the funds from the scammer 's bank. I implore you to please offer any help in resolving this case and recovering the funds. Thank you for your attention to this matter.

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 2018-01-04
Company: JPMORGAN CHASE & CO.
State: CA
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 disputed the reporting of Chase Auto Finance reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, XXXX, XXXX and Chase Auto Finance and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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