BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: AFNI INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Collection Agency Rep. 

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. 

In Hinkle v. Midland Credit Management , IncXXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. 
Provide me with the following : A copy of the original contract you alleged I signed. 
An accounting of how payments were applied. 
The interest that was added along with any ancillary charges. Identify the original creditor. 
Prove the Statute of Limitations has not expired. 
Provide verification or copy of a judgement if there is one. 
Provide licensing information that allows you to collect in my state. 
Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. 
If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
I have know idea how any of the accounts on my credit report were open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the below have have violated my rights. 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 an account without my written instructions. Account name XXXX XXXX Account number XXXX I have never been late on this account is needs to be updated to Paid as agreed

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 2020-12-23
Company: Experian Information Solutions Inc.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity ThefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2018-03-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold XXXX LTC Litecoin on Coinbase at {$220.00} per LTC. I was to receive the amount of {$720.00} back to my XXXX XXXX account ending in XXXX, on XX/XX/2017. Also, on the same day, I sold XXXX BTC Bitcoin at {$12000.00} per BTC. I was to receive {$130.00} to my XXXX XXXX account ending in XXXX on XX/XX/2017. 

I have yet to receive any money to my account. I tried calling the Coinbase customer service several times, and after being left on hold for hours at a time, and being hung up on instantly, once the call gets through, I decided to take further action and contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XXXX I purchased a XXXX  headset from a fraudulent mail order company named XXXX XXXX, which charged my Capital One credit card XXXX XXXXXXXX in the amount of {$76.00}. This merchant was a scammer and never sent me the item. I received a completely different item than what I purchased. I then filed a dispute with my credit card company Capital One and provided all requested documentation. It was dispute case # XXXX. The documentation included an email exchange where the scammer merchant admitted that they did not send me the item that I ordered. The email also showed that the merchant refused to refund the charge and that the merchant refused to provide a return shipping label. After documenting all of this to Capital One, I was still charged for this fraudulent charge from the scammer merchant. The initial dispute was within the 60 day dispute time frame. I then called the Capital One dispute department again and provided all the required documentation to them again. They denied my dispute again. I filed a valid dispute which proved that the merchant DID NOT send me the merchandise that I paid for. Yet Capital One acted in an unfair and unethical manner and still charged me. I have been a loyal Capital One customer for many years. This is an unethical and unfair business practice in which Capital One has acted. I would not recommend using Capital One for credit card services because they are unethical. Use XXXXXXXX or XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX FCU Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # 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 an 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 2021-02-28
Company: BBVA FINANCIAL CORPORATION
State: IL
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:
All of the charges on my BBVA credit card statement for the period XX/XX/XXXX - XX/XX/XXXX were fraudulent. On XX/XX/XXXX I wrote BBVA a letter informing them of this. On XX/XX/XXXX BBVA sent me a letter informing me they were investigating the matter. Since I had not yet received a response to my letter of XX/XX/XXXX, I called BBVA on XX/XX/XXXX. They logged my call as incident # XXXX & XXXX. In the interim I have received statements with late fees and collection letters. To add insult to injury BBVA sent me a letter dated XX/XX/XXXX terminating my credit card account. 

BBVA should have its license to issue credit cards revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CHECKredi of Kentucky, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
-My husband 's direct deposit did not go through for the week of XXXX XXXX XXXX XXXX due to the processing error with the XXXX XXXX and Federal Reserve issue . Our XXXX XXXX account was overdrawn. It was an error by XXXX XXXX XXXX, which is the private operator of the XXXX XXXX XXXX payments system that works with the National Federal Reserve. The Federal Reserve was working with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation late last night on XXXX XXXX XXXX  and the paycheck that was missing was finally deposited into my account. -Because my bank took so long to correct the situation, I am being charged a {$30.00} fee for a {$20.00} gas purchase/transaction on XXXX XXXX from XXXX and by debt collector CheckRedi Payment Services XXXX I have tried to get it waived and no one can eliminate it. 
This recent inability to access my funds, was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with TXXXX XXXX XXXX and the Federal Reserve. 
-They told me " We do not remove fees for bank errors. You would have to seek re-imbursement from your financial institution if their error occurred you a fee. Your balance owed with fee is {$50.00}. You may call back to make arrangements, or you may pay the balance in full online at https : //www.checkredi.com/pay-online.cfm. 
Please keep in mind that our system can randomly resubmit the transaction and fee to your account if a payment is not made. '' -They also told me, " That would still be the network your bank was using for deposits. We were not made aware of any issues. Also indicated in the letter from XXXX which is prior to your purchase and you were already supposed to have the funds available upon the purchase at the point of sale, up to 1-3 business days. We can not waive the fee. '' -It 's very unfair that no one has communicated this information to all businesses and that I am being charged a fee for an error that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an electronic deposit to my Chase checking account on XX/XX/2020. The amount then posted, it was reflected in my account balance. On XX/XX/2020 my account shows being negative and the debit card is closed. The deposit has disappeared, instead the transaction shows that a withdrawal was made. Chase bank has denied this and has stated that the deposit had been returned. Chase bank then provided me with a fake, joke 800 number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was sold a XXXX they was used but it broke down in 4 days I advised the dealer he said he would fix the problem but he didn't they told me it was something else that need fixing XXXX XXXX XXXX XXXX etc But the true problem was the XXXX XXXX  .which the dealer never fixed I took the vehicle back to the dealership 3 or .more times they assured me it was fixed but they lined .they added a XXXX XXXX on. The vehicle so I would e accepted by credit acceptance corporation. I purchased it in XXXX of XXXX and the vehicle has not been working properly yet during this time I was being bully and lied to by the dealer who said it was credit acceptance corporation fault .they are trying to force me to pay for a vehicle that never worked properly and still not running. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of the house. I paid off the owed amount and told them to shut off the service. 
They continued to charge me and I emailed them via their billing notification that I was no longer there and do not want the account. 

Also when there was one missed payment they shut the service off so i was might only owe XXXX month 's worth of internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
on my credit report it says that i opened 2 credit cards in XX/XX/XXXX and never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX in the XXXX XXXX XXXX  XXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, trans union, and several times with XXXX  in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. XXXX has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to XXXX  's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.

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 2023-01-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good morning, I currently have a Wells Fargo Auto loan. I was charged extra fees and I have had my car wrongfully reprocessed while having this loan. As I see, there is now action on Wells Fargos mistreatment of customers, I want to know how I will be repayed for all of the trouble I have gone through dealing with Wells Fargo.

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 2022-07-10
Company: EQUIFAX, INC.
State: NV
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 account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts # 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