BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Affirm Holdings, Inc
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my phone was stolen while I was visiting XXXX XXXX, LA. My phone had banking information on it and the thief used it to open a fraudulent virtual card with Affirm in my name. I have reported the transactions as fraudulent to Affirm both by phone and email. 

Each time I have contacted Affirm to follow up they continue to say they are investigating the claim. In the meantime, I have received additional emails and text messages from them demanding I make payments and threatening to send the debt to collection if it is not paid. 

I should not be responsible for these transactions and during the investigatory period collection activities should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that XXXX XXXX is not A Lender XXXX XXXX is A insurance company this month I got A call from XXXX XXXX XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and XXXX  XXXX lowered my credit on purpose I want no more communication from this company or phone calls I have blocked XXXX XXXX from my phone and unsubscribed from all future emai

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 2021-10-20
Company: EQUIFAX, INC.
State: TN
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 have contacted the each credit bureau XXXX, XXXX, and Equifax to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. Equifax stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Reviewed my consumer report and noticed that unauthorized inquiries was furnished on my report. 

XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX  BANK - XX/XX/2023 XXXX XXXX XX/XX/2023 2023

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 2021-10-20
Company: Experian Information Solutions Inc.
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:
XX/XX/2021 Experian Remove the following accuracies found on my credit report : I have never been sent proper validation. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
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 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.

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 2021-10-20
Company: Experian Information Solutions Inc.
State: GA
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:
I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, XXXX, and Experian to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX 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 XXXXXX/XX/XXXX Experian- US Sm Bus Admin Oda XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Michigan Numbers calling from XXXX XXXX I have gotten repeated calls from this auto loan creditor, the calls I ignore and they will call from a different number sometimes within an hour early morning hours, late in the evening, all weekend. I blocked the numbers they just will call from a different number. 

The car was voluntary repossession back in XXXX they came and got the car, sold it, and still reporting missed payments on my credit report and not the correct amount owed. 

It is harrassing and inconvenient, they leave voice messages. 

I am attaching my call history with those numbers some I don't know because if it is blocked or or my phone service recognized the vendor it show up as a scam call that don't show me a phone number. 

Thanks

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 2021-10-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX Credit/BOCH TOYOTA. Date : XX/XX/2021XXXX  XXXX XXXX XXXX. Date : XX/XX/2021TOYOTA MOTOR CREDIT CO. Date : XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021 XXXX  XXXX XXXX. Date :XX/XX/2021XXXX XXXX XXXX XXXX : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company, Valor Intelligent Processing is calling my personal phone number at all hours of the day, spoofing multiple numbers while doing so, during work hours/non-work hours, and leaving automated voicemails that have a misleading tone to them. They say, " Valor intelligence Processing calling on behalf of XXXX Texas XXXX XXXX concerning an important business matter. Please call us back at XXXX at your earliest convenience. '' They harass me almost every single day, multiple times a day. 

I called back finally today, XX/XX/XXXX, at XXXX and asked them to stop calling my number, did not provide name or number since clearly they already know who it is, and the agent continued to try and press for my personal information while talking over me and just being pushy in general. I never got what I requested done and told them I will be filing a complaint with the Consumer Financial Protection Bureau. 

I called another collector 5 minutes later, albeit, trying to reach someone who had this number prior to me, asked them to stop calling without providing any personal info, and it was taken care of. Why is this such an issue for Valor Intelligent Processing? 

This is not them calling about business matters, this is them harassing and misleading me in order to collect a debt for tolls. Extremely frustrating when I call someone back regarding what I think is a business concern, and it turns out it is just someone calling me to collect toll money. Last I checked, the XXXX was to stop charging tolls on roads that construction was completed on, but alas, here we are. I stopped paying them in this case, because while using their app, they tried to draft my account for over {$500.00}, when I only approved {$30.00} singular transactions. Luckily I set a limit per transaction for this account. If it happened to anyone else, XXXX would tell their customer to kick rocks and they would be out {$500.00}. I also have to take time out of my day, while I am supposed to be working, to file this complaint. 

Call log & number history from now, back until XXXX. There are probably other numbers, with different area codes they have tried to use to call me as well ; but they only leave voicemails with the XXXX area code numbers. 

XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.

Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've already filed a complaint on this bank and you have closed it. And I don't agree with the outcome. I have been with this bank as I've seen it grow ... .from XXXX XXXX XXXX Wachovia , to WellsFargo. I started my business with them when I got my very first paycheck. I am turning XXXX this year! They are the only Bank I have done service with basically my whole life. Do you think {$500.00} is enough pay back? That is what a lifetime of broken laws is worth? I added up just XXXX years of overdrafts and it was close to {$3000.00}! 
You have everything from the prior case.

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 2021-10-19
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband bought a XXXX XXXX XXXX from XXXX with financing through Bridgecrest in XX/XX/XXXX. I was not a party to the loan. My husband was a couple payments behind when he passed away on XX/XX/XXXX of this year. On that same day a representative of Bridgecrest contacted me about the past due payments. I explained that my husband had died just hours earlier. She said if I didn't make a payment they would repossess the car immediately. I was overwhelmed and grief stricken and she said even though I wasn't on the loan paying them would give me time. I authorized a payment of {$290.00}. On XX/XX/XXXX I sent them a screenshot of my husband 's death certificate. The company then contacted me back and said they could no longer discuss the loan with me since my name wasn't on it. They told me if I wanted I could assume the loan but I had to get insurance and transfer the tags to me and provide personal documentation including income verification. They sent me paperwork that they said needed to be completed in 2 weeks. I contacted them on XXXX  XXXX  and told them I was unable to get the income verification done since Social Security and OPM ( my husband was retired government employee ) were backlogged due to COVID. They said I needed to give them more money for an extension so I authorized another payment of {$290.00}. They gave me another 10 days. On XX/XX/XXXX I called back to tell them I still didn't have the information. They said I had to make another payment so I authorized another {$290.00}. On XX/XX/XXXX Bridgecrest contacted me and said they wanted me to get more information that required me getting in touch with my husband 's daughters and getting them to sign off on the car. One of my stepdaughters was estranged from her father at his time of death and refused to speak to me. I purchased a car 2 days later. Bridgecrest repossessed the car a week later.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation