BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$840.00} OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX CO XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}

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 2015-10-27
Company: Security National Automotive Acceptance
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been receiving multiple pre-screened firm credit offers from Capital One, with which I have a savings account, over more than a year. The last one arrived last week. This is despite having submitted a request several months ago to no longer receive such offers in accordance with the Fair Credit Reporting Act via the website XXXX XXXX XXXXXXXX. Apparently, this is the only method for opting out of Capital One credit card offers. I do not want these offers and view them as a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a legal document in the mail today XX/XX/XXXX from Portfolio recovery associates stating that they had reached out to my previous employer regarding garnishment of wages. This is from credit card debt from XXXX. When I called the phone number given, I was told they could not assist me nor give me contact information regarding any questions about this matter. This company has in the passed contacted friends of mine regarding this as well. This debt is due to a document chronic illness I had going back to XXXX. I am extremely concerned about any passed or future employment I may have since I am currently seeking employment. I currently have no income to support myself or my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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.. 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. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX Charged off {$210.00} XXXX. XXXX XXXX XXXX XXXX Paid closed/never late XXXX. XXXX XXXX XXXX Missed/late payments XXXX. XXXX XXXX XXXX XXXX {$990.00} open balance XXXX. XXXX XXXX XXXX XXXX {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, 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 2023-01-26
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, 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 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 XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXBalance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$64.00} ; XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.

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 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX there was an unauthorized transaction for the amount of {$5000.00} transferred to an unknown account as well as on XXXX XXXX another unauthorized transfer transaction for the amount of {$1300.00} to an unknown account. I've been denied on my claim and I have proof to show the transaction was not me. Below I included photos to prove that this transaction was fraud due to the transaction showing the last 4 digits of the card that made the transaction. I was never issued a card with those numbers. I also included photos of the amount that was in my account on XXXX XXXX  and after sorting through my mail I see a letter from bank of America stating they are crediting my account for the amount that was already in my account to begin with which is dated a day later on XXXX XXXX. It does not seem to make sense for bank of America to send me a letter for crediting my account with the same amount of funds that i already had in my account. All of sudden 6 days later my funds are transferred to an unknown account with a card I was never issued. My card issued to me during the time of the fraudulent transaction last four digits are XXXX and the card doing this transaction the last four digits are 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 monetary relief
Consumer complaint received 2023-05-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is now the SECOND time I've had to file this complaint, the last one being in XXXX, 2022, so not even six months ago. I am getting an email in the middle of the night stating I have opted out of Early Pay with the Huntington Checking Account. This did not occur this time, nor did it occur the first time. Huntington has denied they sent the email, however the return address is in fact to Huntington. I tried the first time to speak to Huntington and they were unable to assist me, therefore I did not reach out to them this second time. It is pretty obvious there is an issue on their side since this issue keeps reoccurring. I want this rectified for good as this is quite the hassle. If this was the first time, it would be one thing, but again, this JUST HAPPENED, THE SAME EXACT THING IN XXXX, 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX # XXXX Account name : 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. And i have filed police report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( 1 ) This is not an open ended collection account.

( 2 ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXXYet it shows 0 % of this account is paid off. That doesnt make any sense. 
( XXXX ) The balance transferred from XXXX XXXX is inaccurate. 
( XXXX ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( 1 ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first Delinquency as XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened cash app account a couple of weeks ago I just got debit card in mail I'm now without minutes on my phone I had to order a new XXXX XXXX XXXX card cause mine was lost for ,4 days we have been without food this card has XXXX on it and we need it I don't have the phone attached to it the debit card number attached to it but I got a new XXXX XXXX card and a XXXX XXXX XXXX number I've sent cash app copies of everything and they just ignore me let them go hungry 4 days see how they feel,!! Please help me I will send u anything u need. Thank I so much I'm glad I bumped in to u. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I got a bill from XXXX stating I owed them {$470.00}. I had done no business with them so I contacted them and told them some used my name Please stop the account immediately. They did nothing so the thief charged {$3000.00} more in XXXX. I kept calling them and had enter a fraud case which is # XXXX. At the {$470.00} point they had XXXX  XXXX  try to get me to pay. Then XXXX XXXX attorney at law llc and now the worst AmSher who calls and I have told them over and over it is not mine and returned a slip they sent on XX/XX/2022 disputing the debt. XXXX sent me 2 copies of what someone ( not me ) owes in XXXX claiming I requested them which I did Not. Please get XXXX and their collectors to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

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 non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-12-27
Company: FirstPoint Collection Resources
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A dispute was done against this company recently about an alleged debt and trying to collect on the debt. According to state and federal law a company has to be licensed in the State of Louisiana to collect any debt or alleged debt. Firstpoint Collection Resources , Inc is not licensed in the state of Louisiana.

Company response to consumer: Closed with explanation