BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: CL Holdings LLC
State: OH
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:
Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affirm keeps sending email XXXX or more times each day asking for a payment and they never address the fact of the proof of payment that I repeatedly send back. 

The proof of payment shows front and back of the check and the back of the check shows their endorsement stamp and deposit stamp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I turned XXXX XX/XX/XXXX. At that time Navy Federal was suppose to remove any of my parents from.my account. They gave me my own user ID and passwordXXXX XXXX XXXX XXXX sent me a school refund. Navy Federal took my federal money for my books and housing and applied it to my moms debt due to her thinking unemployment had finally paid her back pay. I contacted them and they said they had a right to take my school funds because she was a joint owner on my account. That is not true. I never gave my mom nor did she attempt to be joint owner of my account after the age XXXX. Navy Federal wanted to right a wrong so took money from both me and my aunts accounts. This is a violation. My money has nothing to do with my account and not can Navy Federal.provide anything where I gave them.permission to make anyone joint owner of my account. I live separately from my mom and have for over a year. They took my money and it is not ok or right. And they gave someone illegal.access to my account that I did not give. Once I'm XXXX, I get to make my own decisions and navy federal violated that. Then use their mistake to take funds that were not owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I Got these 2 Hard inquiries on my XXXX Credit report with out my permission on XX/XX/2018 1 ) Capital One 2 ) XXXX XXXX XXXX I want to dispute these 2 Hard inquiries. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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 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 2022-05-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.

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 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had XXXX credit cards with this bank. Both accounts have been charged off. Upon checking my credit report, I've noticed that my consumer rights have been violated. I contacted the bank directly in writing asking that 1 ) the balance be corrected to {$0.00} to comply with the FCRA to which no response was provided. The account debt was charged off in XX/XX/XXXX, as such not further reporting should be initiated per the FCRA and IRS 1099c guidelines. I also contacted the bank and requested the 1099c form to comply with the IRS requirements as the company will receive a tax write off for the bad debt and per the 1099c guidelines event code 7, the debt is deemed uncollectable as of the charge off date of XX/XX/XXXX. The bank is actively and intentionally violating my consumer rights by continuing to report the account as Charged Off each month for the last 12 months after the charge off date of XX/XX/XXXX, which is inaccurate, thus reaging the account impacting my overall credit file and score. I have disputed this account with the major credit reporting agencies only to have the debt returned as verified, which based on consumer credit law is inaccurate. Additionally, the account is being reported as having a past due balance which is legally impossible per the FCRA. A charged off account can not have a balance due or past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, Experian Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX  - AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} XXXX Accounts XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX. ) XXXXXXXX XXXXXXXX XXXXXXXX XXXX - XXXXXXXX XXXX - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2019-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to complain about the unfair and inaccurate reporting of my auto loan delinquency on my credit report. I experienced financial hardship during the COVID-19 pandemic, which made it difficult for me to make my loan payments on time. I contacted my lender and explained my situation, but they were not willing to work with me on a payment plan or other accommodations. 
As a result, I missed several payments between XX/XX/XXXX and XX/XX/XXXX. My loan is now paid off but the delinquency marks remain on my credit report. I have tried to dispute these marks with the credit reporting agencies, but they have not removed 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 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has been illegally charging me overdraft fees, when my account is not negative. On XX/XX/XXXX, they charged me a overdraft for a bill pay that was not scheduled for that day. They have done this 3 more time, for well over XXXX XXXX I noticed it when I got a email about me not having enough money in my account. When I called they would not verify that my account was negative nor would they let me prove that it wasent, according to my transactions. I caught this early, if not they would be on the way to stealing hundreds of dollars from me without me even noticing.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-08
Company: Chime Financial Inc
State: MO
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:
XX/XX/23 Chime card was stolen the day previously a charge for XXXX was posted I disputed it and they barely investigated and then denied my dispute stating they felt nothing happened when it's obvious by spending pattern that my card was stolen XX/XX/23 Charges added up to XXXX dispute was denied without any further investigation XX/XX/23 Account was compromised charge for XXXX posted card was reported and charge was. Disputed and denied without any reason or further investigation XX/XX/23 Charge was made for XXXX card was reported and account was compromised dispute was denied without any further information XX/XX/23 Direct deposit total 0f XXXX was posted account was compromised and money got spent I was in XXXX  this day someone reordered my card it was approved I called the agency and they refused to investigate further Further more transactions continued to post and cards kept getting reordered I kept calling in to tell them what was. Going on then I got locked out of my account and currently have no access and till this day transactions are steady posting to my account my whole last direct deposit from My job got spent a total of XXXX dollars was stolen and then I had another chime member send me a total of XXXX and it was stolen a total of XXXX dollars and nothing is being done I have XXXX and XXXX and I can't afford my medication I'm supposed to get paid again on XX/XX/23 and have no access to my account the institution requires physical identification which I have to PURCHASE but without ACCESS TO MY FUNDS I CANT BUY ANYTHING steady denying disputes and allowing my money to be stolen is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the victim of Bank Employee Impersonation Fraud. On XX/XX/2022, I was contacted by someone impersonating a Wells Fargo employee. This person communicated to me that my account had been hacked and subsequently successfully stole nearly {$23000.00} from my business account via a wire transfer. Although Wells Fargo has indicated that I am a victim of fraud and has cited multiple reason why that answer is justified. They have refused to give me my money back. This is unacceptable and must be looked into. This money belongs to XXXX XXXX XXXX and will be used for XXXX  in the XXXX. I have responded to every request that Wells Fargo has made, including sending a copy of my text messages.

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 2020-09-25
Company: Resurgent Capital Services L.P.
State: WI
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
THESE ACCONTS IS NOT MINE 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