BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: VW Credit
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : 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 Balance XXXX : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a dispute in early XX/XX/2020 regarding XXXX  and how it is reporting on my credit profile. I was a victim of identity theft! I enforced experian of this. It violates the Hippa law!  And I want it removed.

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 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I previously filed Capital One CID : XXXX Complaint ID : XXXX and Capital One CID : XXXX Complaint ID : XXXX but have received insufficient information to determine whether I continue to be a victim of identity theft due to an account opened at Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: MIDCOUNTRY FINANCIAL CORP
State: AE
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:
After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report.
Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card with XXXX for over a decade. I am a customer in good standing. I pay all my bills on time. In XX/XX/XXXX, I purchased a sweater using my XXXX card. 
I got my bill at a time I was extremely ill with a serious XXXX on my XXXX and awaiting doctor 's appointment. I had not been able to leave my apartment other than to buy for for over 2 weeks in XX/XX/XXXX to XX/XX/XXXX due to horrible weather. I can not risk getting XXXX or XXXX. I live alone. I had taken the bill out to pay some time around XX/XX/XXXX. I forgot to put it in the mail box. I found it in my briefcase 4 days later. I immediately called XXXX. They said not to worry that I am a good paying customer. I asked them not to impose a late fee. They said they would not do so. I just got my bill and there is a whopping {$27.00} late fee imposed by them. This is outrageous. They also claim that I owe {$93.00} and a minimum payment of {$32.00}, when I paid for their {$62.00} sweater in full. 
I am positive I had way less than 25 days from date I got their bill till due date. Please help me with this situation. I spent over 15 minutes on the phone with their customer service person, then told the person I had to leave for doctor 's appointment. I was unable to call back due to the fact that I work XXXX hours a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
items continue to be inaccurate, have not received any proof of an investigation after continually requesting how items were verified as being correct. accounts are violation the laws of my bankruptcy and they refuse to delete or fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was a XXXX XXXX customer for over XXXX years and canceled my service in XXXX. I returned all the time XXXX XXXX in XXXX. We paid the last monthly bill and at the time of the return was told I had retuned everything. There was nothing to pay the day I returned the equipment. 

Today I received a call from Stellar Recovery , Inc. XXXX, MT XXXX which I was later told is a Division of XXXX XXXX XXXX, and requested to pay a {$22.00} Bill Plus a {$9.00} Transaction Fee. 

I paid the bill and fee because they threatened to report this bill to the credit bureau. They also said they could send me a bill in XXXX days but then I would be past 60 days ( for a bill that has n't been sent ) and I would have already been reported to the credit bureaus. Having never missed a payment in my entire life and having done business with XXXX XXXX since XXXX of 1982, I was greatly upset. 

I never received a final bill in the mail and the person from the recover company could not or would not provide me an explanation of what this bill was for. So I 've paid a bill I 've never received and ca n't verify what I was billed for. 

The recover company left a message on my phone with an automated message not referencing that this was in regard to the final XXXX XXXX XXXX. XXXX XXXX has not returned my call this morning to explain to me what I was billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : 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 Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: American Collections Enterprise, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Roycroft Management
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This was sent via email to me from my main office. I am a teacher in a classroom. I have asked this company not to call me and to stop calling my job and my family members and they call several times a day. They have threatened to arrest me at work. I have emails and telephone messages to verify these actions. I do n't believe this is even a valid debt. 

XXXX # XXXXCall before XXXX in order to NOT get served. 



Sorry, I 'm just the messenger XXXX XXXX XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint with AHFC due to late notices posted to my account that were no valid. I sent them a formal dispute on XXXX XXXX, 2016 which they received on XXXX XXXX 2016. On XXXX XXXX, 2016, since I had not heard from them, I sent them a second letter telling them that they did not mark my file as disputed or responded to my previously letter that they now need to remove the late notices on my account. They received the letter on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received THREE letters from AHFC. 1. telling me again that my payment was late and I needed to pay immediately to get my account up to date, 2. A letter telling me my request to remove derogatory marks from the credit bureaus was denied and 3. Telling me my car loan was paid in full and attached to that letter was the TITLE for my car. So, please tell me this company reports information accurately and timely. If you would like all of this documented evidence, I am happy to send it to you, but it 's all pretty thick. I appreciate your help in ending this as it 's not fair and AHFC had not followed the law in marking my file 1. in dispute and 2. responding in a timely manner. This type of reporting is for a reason, and when at fault, I am happy to take my due punishment. However, this reporting is not accurate and AHFC has done nothing according to the law to correct this error or follow the law in investigating, marking the file as in dispute and NOT continuing to write derogatory marks on my file as payback for fighting them on this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a Equifax data breach and recently they were sued by the CFPB. I went to the company website and verified if i was affected by this Data Breach and i was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Recently, I did an investigation/dispute on my credit report which caused severe XXXX on me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were updated but not verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC Section 1681i ( 7 ) Method of verification -Description of re-investigation procedure.

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 stated a consumer reporting agency can not furnish an account without written instructions.

RESOLUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting accounts I recently submitted by certified mail that I have attached. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.

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 2016-12-01
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Did not inquire any information to this student loan company and they put Hard Inquires on my credit report. this is causing my credit score to drop significantly and making things harder for my family.

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