BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
RE : LOAN XXXX I HAVE NO KNOWLEDGE OF THIS LOAN FOR {$86.00}, WHICH WAS TAKEN OUT OF MY CHECKING ACCOUNT, WHICH WAS UNAUTHORIZED. THIS AMOUNT WAS TAKEN OUT 3 TIMES. I CALLED XXXX XXXX AND THEY DO NOT HAVE KNOWLEDGE OF THIS LOAN. OR HAVE MONEY THAT AFFIRM PAID THEM THERE ARE NO MONEYS DO THEM.EITHER. 
AFFIRM IS TAKING UNAUTHORIZED FUNDS FROM MY CHECKING ACCOUNT. 
I WOULD LIKE TO KNOW WHAT THEY CLAIM THE LOAN IS FOR..

AFFIRM CALLS IT A VIRTUAL CARD LOAN.

THEY CLAIM I AM RESPONSIBLE FOR IT, BUT I DONT KNOW WHAT ITS FOR.

I WISH SOMEONE WOULD INFORM ME.

HOW DO THEY EXPECT ME TO PAY FOR SOMETHING WHEN I HAVE NO CLUE WHAT ITS FOR? 
WHEN I GO ONLINE TO AFFIRM WEBSITE A GET A MESSAGE MY ACCOUNT WITH AFFIRM IS FROZEN. When I CALL I AM ON HOLD FOR HOURS, AND THE REP DOESN'T COMPREND WHATS GOING. CLAIMS THEY ARE ESCALATING IT. THIS IS GOING ON FOR MORE THAN 2 MONTHS. 
I BELEIVE THIS IS A FRAULENT ACTIVITY BY TAKING FUNDS OUT OF MY CHECKING ACCOUNT. 

AGAIN I CAN NOT UNDERSTAND WHAT THIS LOAN IS FOR, MAYBE SOMEONE WILL FINALLY LET ME KNOW. XXXX XXXX XXXX KNOW XXXX HAVE ALSO MADE AN UNAUTHORIZED WITHDRAWAL FROM MY CHECKING ACCOUNT OF {$10000.00} TO OPEN A SAVINGS ACCOUNT WHICH I KNEW NOTHING ABOUT. 
I ONLY FOUND OUT WHEN I WAS GOING OVER MY CHECKING ACCOUNT. I DONT EVEN HAVE AN ACCOUNT NUMBER FOR THIS..I AM MENTALLY AND PHYSICALLY EXHAUSTED FROM THIS ORDEAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: DE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
: XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$410.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened:XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-14
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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 have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We have tried multiple means of rectifying this issue with Wells Fargo ( WF ) First with direct contract with them, then hiring an attorney to no avail. Now via this Organization which was assigned complaint XXXX. WF supposedly responded via contacting me, there was no contact between me and them. Again WF is not being totally truthful like they have been with this entire process. Due to fraudulent activities more then {$22000.00} was stolen from our accounts. Again WF is not honoring their proper business practices This is evident because this site has been developed and judges order for them to repay consumers money fraudulently taken from them.

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 2023-05-17
Company: Consumer Portfolio Services, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have reached out to the company Consumer Portfolio Services, to work with me because I am stuck in a loan payment I can not afford, especially since my husband 's health has failed. I have tried selling vehicle to get out from under the debt and refinance to lower payment, but the vehicle was sold to me for XXXX dollars more than it is valued. I have been in touch with them and they say they are working with me and making arrangements and then they go and call my family and friends and call me through my work number when I am not not taking their calls. This is very bad customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Honda Financial stated in a response to my previous complaint that they gave me the opportunity to request a month deferment to help me catch up. That statement was false. I immediately contacted Honda to request this help and it was denied. The r presentative said that she had no idea who had given me this information because there are no notes. The other issue I want the cfpb to help me with is the late fees and how difficult this company has made it for me to make payments. T HH e only way I can pay Honda require me to pay extra fees. This company to has charged me a ridiculous amount of late fees and on tf op of those charges, Honda has not allowed me to make phone, or on their website for future payments. I have XXXX  and I asked the salesperson if these options would be available, because my disability does not allow me to go through complicated payment procedures without having to put the task aside then come back to it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MI
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:
HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX and experian will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX XXXX  being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.

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 2021-10-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unable to dispute account online and/or via phone. 

I have not received a response from the original creditor listed to validate the account. 

I have requested to have the item deleted from my credit report if it can not be validated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account name 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.

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 2019-01-04
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The fowlowing information Im attaching Is to provide the complaint concerning the Home Depot request for payments they had.my payments made in store but have not corrected the problem. They Requested copies as though they did not have the information that was a false Statement attaching proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
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 has violated my rights. Or a list of inquiries : 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 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
There was a Bank of America credit card that was currently opened in my name using my SSN and a previously lived address in California ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX, according to the Bank of Ameria Fraud Department when I spoke with them on XX/XX/2022 ) and with that, there is also a hard inquiry as well that appears on my Credit Report for all XXXX bureaus. XX/XX/2022 was when I was first notified and made aware of that a Bank of America, specifically an XXXX  XXXX credit card was approved in my name ( please see attached email ), however, the credit card and hard inquiry just recently appeared on my Credit Report. I already filed disputes with all XXXX credit bureaus and they are aware of the 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Approximately on or around XX/XX/2022, I attempted to send money from my investor high yield checking through XXXX and XXXX suspended my XXXX enrollment and emailed me to call them which I thought was odd. I contacted customer service which confirmed that my XXXX enrollment was suspended for suspicious activity ( nothing was suspicious about my activity but whatever ), so I asked them to restore my access to XXXX and they surprised me by saying that this can't happen instantly and they need to reach out to a special XXXX team that customers have no access to and this team will fix the issue within 72 hours. So far terrible support operations but I thought " fine '', I will wait 3 days for the bank to fix their own mistake. 3 days go by and my access is still suspended. I called the bank again and was told the same thing, they will reach out to a special XXXX team which will take 3 days to fix it. I contacted the bank multiple times since then and here we are almost two weeks later and my XXXX is still suspended for no reason.

Company response to consumer: Closed with explanation