BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Affirm Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received an email from a company called Affirm. They congratulated me on opening up a savings account. Which I never did. I have used this company in the past to finance, my peloton and my annual ski pass. However, I never opened up any other accounts with this company. Not only did someone open up a savings account, they used my bank account on file the transfer {$1000.00} from my personal checking account to the savings account without my permission. I noticed this immediately that they were attempting to do this, and I called affirm on XXXX  morning, XX/XX/XXXX and notified them of the fraud and the problem. While I understand, these kind of things happen on a regular basis, the reaction was pathetically weak, and they did nothing to stop the fraud and the theft. They were notified that this was a fraudulent transaction, that I did not open the savings account, and they needed to close the account, the response was they could not close the account because there was a pending transaction. Which is ridiculous. So in fact, they assisted in stealing {$1000.00} from my personal checking account, my guess is that this is somebody that works for affirm that committed internal fraud. Because to get into my account, you need my mobile device in hand the ability to get a text message and also an email with different passcodes at each section. Their response has been incredibly weak. I put in a block with XXXX  XXXX XXXX to stop the transaction however I did not have enough time as Monday afternoon. My account was debited for the {$1000.00}. Wow, I understand these kind of things happen. Their reaction was not near fast enough to be able to prevent fraud. In fact, they enabled the thief to steal money from me. And are doing nothing to resolve the situation. They did lock my account down. They are in partnership with cross XXXX XXXX, who I also notified of the issue this morning, and I gave them the account number for the account that was generated by the fraudsters within my Affirm account. And asked them to shut that bank account down and of course they did nothing either. So right now there is a debit from my bank account for {$1000.00} and these XXXX XXXX  did nothing about it. XXXX XXXX is the CEO of this company, XXXX a billionaire and he is facilitating theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2023-08-27
Company: Buckles & Buckles, P.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe credit debt. I had to stop paying due to personal health issues. I had nine operations or procedures before I dropped paying. XXXX was a catalyst. After rent my income to live on is XXXX a year. 

So now XXXX XXXX is suing me for XXXX dollars. I received a letter in the mail on the XXXX th of XXXX this was the first I heard of the law suit by Buckles and Buckles, P.L.C. who is representing XXXX XXXX. These people are who sent the process service from XXXX XXXX XXXX. They claim they already informed me but I cant remember them doing so. 

My complaint is about another choice on the paper is to post on the persons door. On the XXXX I was in my apartment. However the process server did NOT buzz my apartment. He instead taped the summons to the glass door in the foyer entrance to the lobby. He did not post it on the door of apartment XXXX. And he could have gotten in. To rub salt in a wound he purposely posted it at a time he assured maximum exposure by posting it between XXXX and XXXX XXXX on a Saturday. The lobby was busy there were several people outside.Ssomeone came to my door to tell me everyone is reading it. Although she did not know how long it had been there. It was XXXX when I went down and people were telling me he didnt try my buzzer he just came in and Oates it. People had try to pull sheets out to read more than the front page I guess. He might as well went around with a megaphone. People were averting their gazes, asking me if I was ok and one person said it was probably about something stupid. Those that know now continue to treat me like Im ill. These are my friends. My community my social family. Now Im carrying an elephant with me. NO ONE HERE KNEW ABOUT MY PERSONAL FINANCE SITUATION, Now I dont know who knows. My friends, strangers and frenimies. I am an active member of my community but have not left my apartment since this public humiliation. I considered XXXX. Im not sure if this will affect the apartment mangers view of me and my ability to pay rent. They have impinged on my personal life and relationships to the point where I dont even know what to say to people. This is so wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have purchased a vehicle in XXXX XXXX and got approved for finance with my bank, Capital One. XXXX has a policy, that the car can bear retuned within 30 days with no questions asked. I returned the car on XX/XX/XXXX ( after 2 weeks ) yet my bank still didnt receive the payoff amount and my first payment is due on XX/XX/XXXX. I have in my hands a voided contract from XXXX and no car, yet my loan is not cleared with Capital one. I was told several times that it takes about 10-15 days and again, even after calling 20 times the business office at the XXXX XXXX store and the headquarters in Virginia, there is ions explanation and response. Capital one didnt receive the payment and I was demanding to get a crack number or a tracking number. This is a legal fraud and theft, when customer gave up the car, the contract is voided yet I am still response for the payment. Please help me resolve. I dont want to be in collection with my bank for something I am no longer responsible for. This is a scam and the worst possible customer service experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Tapper and Fratto, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my XXXX XXXX accounts were frozen. I learned that the name of the company that froze my account is TAPPER AND FRATTO , LLC. I left them a message and a woman called me back. She informed that they obtained a judgement against me on behalf of a rental apartment complex named XXXX XXXX XXXX where I lived in back in XXXX. I asked her for documentation about this and she told me that I had to get it myself. When I looked up my name ( both married and maiden ) in the XXXX  XXXX, I see no such case nor judgement entered. Additionally I was never served any court papers pertaining to any of this. When I researched this company Tapper and Fratto , LLC I learned that the company is NOT IN GOOD STANDING, so how is this process even legal? The XXXX of XXXX  makes clear that : If a business is not in good standing, it may not legally conduct business in XXXX How is this company allowed to practice debt collection while not being legally allowed to conduct business? Where are the copies of this lawsuit or service?

Company response to consumer: Untimely response
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased a car when I stayed in XXXX  for which I took a loan from Hyundai Motor Finance Company. I moved from XXXX to XXXX recently. I needed to register my car with XXXX DMV. 
XXXX DMV needs the title of the car in order for them to register my car in XXXX. As per the process established by XXXX DMV, I sent a request to Hyundai Motor Finance Company in XX/XX/XXXX to send the title to the concerned XXXX  DMV office. Hyundai Motor Finance Company didn't act on my request in the reasonable time. When I followed up, they said they have submitted a request to internal title department which was rejected due to missing information at their end. They didn't tell me what was missing. They said they are requesting it again and asked me to follow up after 10 business days. When I followed up again, it was the same response. I have followed up multiple times and spoken to couple of supervisors. They keep on telling me the same reason and title has not yet been sent to XXXX  DMV as of XX/XX/XXXX. It has been over 8 months and my XXXX  registration has already expired. I am unable to drive to work. At this moment, I don't have much confidence that Hyundai Motor Finance Company is correctly processing my request and understanding the urgency of my situation.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : 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

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 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 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.

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 2023-08-11
Company: FirstTrust Financial LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am an holder of accounts that have questions regarding medical employee participate benefits that need correction for. I have future cases that will reflect upon this that I am taking precautionary steps by reporting. Positions held prior were unpaid while establishing my enterpenual status. Down the line after audit we. May find cases of arrears. I greatly appreciate your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of Inquiry : XX/XX/2023 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a mattress using and XXXX card, XXXX said the payment method was declined and charged $ XXXX to that card. I had to provide a different credit card ( XXXX ) with XXXX to conplete my purchase. Ive been trying to contact XXXX to help me fix this issue and reimburse me the $ XXXX I already paid them but havent been able to talk to them or find a solution. I have the photos showing the card not getting charged. My next installment is coming and Im getting worried I wont have a answer nor solution before the payment date. Theres no way to contact customer support besides the chat feature but they do not reply. 
I have a second dispute open for an order of XXXX that got canceled and XXXX wont refund me the money back to my XXXX account. Its amazing how theres no one from XXXX you can talk to. Customer service is inefficient and not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.

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 2023-12-11
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert on XX/XX/XXXX from my bank that my credit score had changed and that something was sent to collections for the amount of {$8700.00}. The debt collector was Credit Control LLC. Spoke to them on XX/XX/XXXX and they informed me an account was opened up with XXXX and that many different devices like cell phones and smart watches were purchased fraudulently. They gave me the number to XXXX, I spoke to them, and they informed me that it was unlikely that the issue would be resolved and that I would have to be responsible for the charges. I was informed that XXXX conducted an " lengthy investigation '' by a " Supervisor '' when the account was created and found the account to be legitimate. I was informed to complete an ID Theft Packet but that it was unlikely the investigation would be overturned and I would be held responsible for the debt someone else accumulated.

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 2023-05-30
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX MEDICAL 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 XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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