BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-18
Company: Affirm Holdings, Inc
State: MI
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:
Affirm Inc has been making monthly unauthorized withdrawals from our business checking account. I contacted my financial company XXXX XXXX XXXX on XX/XX/XXXX to report this. The bank manager XXXX and I called Affirm Inc together at XXXX XXXX to try and resolve this problem. The customer care person said they could not find an account in my name, my wife 's name or the name of our business, so there was nothing he could do to help us. I asked if he could look up the charges with my checking account number and he said that he did not have access to that information. XXXX stated that the customer care fellow seemed uncooperative and that they have to have access to our financial information in order to make the ACH charges. 

The unauthorized Affirm Inc charges to date are as follows : XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} I called Affirm Inc asking to speak with a supervisor at .and was put on hold for 28:00 minutes and then was hung up on. I called again and finally got through to a supposed supervisor named XXXX. He told me that the only way I could get the money back was if XXXX XXXX XXXX was to do a charge back. I asked if he could give me his direct phone number so I could have my credit union call him to get authorization to do the charge back. He told me that he does not have a direct number, and that any customer care employee could authorize the charge back.? 

I feel as if all I am getting is the run around with this company. I checked for reviews of the company and all I found was one-star ratings, and XXXX other review that had the very same thing happen to them, unauthorized ACH charges to their checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I used my XXXX app to pay off my credits, Bank of America doubled charged me on XX/XX/2023 for {$500.00} * XXXX. I asked BofA to check the transaction, but they asked me to contact XXXX. It's obvious BofA 's fault to deduct the same amount of money twice in my account.

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 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
FTC IDENTITY THEFT REPORT ATTACHED. 
All 3 credit bureaus have not removed my 2 Capital One Cards # XXXX & # XXXX that were severely compromised by Capital One since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX XXXX. 
Capital One closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards. 
37 times false billing line entries is identity theft and FCRA violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing in regards to my credit reports with transunion, XXXX, and XXXX. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.

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 2022-05-18
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Spring Oaks Capital in XX/XX/XXXX to dispute this so-called debt they say I owed. I did not receive any information back from them till XX/XX/XXXX. That included a credit card billing statement and a collection account being added to my credit report damaging my credit history. This is in violation to the FDCPA and the FCRA. The information on the credit report is incorrect according to this billing statement they sent me it's stating I owe {$600.00} on my Credit Report, Spring Oaks Capital statement states {$600.00} and this credit card statement states {$360.00} all different!! ( Violation # 1 ) Original Creditor states XXXX  XXXX XXXX XXXX  this statement states XXXX. Who is the creditor? ( Violation # 2 ) Lastly, Spring Oaks Capital waited 9 months to send me a billing statement to so-call verify this debt really? ( Violation # 3 ) This is unheard of, needs to be fixed and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2022-05-18
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone logged into my SoFi Money account and transferred {$5000.00} to individuals that I have never heard of. This was done in one day, not by me, over the course of XXXX transactions on XX/XX/2022. I was just denied my claim by SoFi and told I am out the {$5000.00} because they " couldn't establish that someone else had accessed my account. '' I want my {$5000.00} back as this are clearly fraudulent withdrawals by someone posing to be me. Their only suggestion was that I contact credit bureau to prevent this from happening with other institutions. I will now have to borrow {$5000.00} from elsewhere to pay back a SoFi loan that I was using the SoFi Money account to pay back. Clearly this " online '' bank doesn't have very good fraud detection. Other banks I work with would have sent me a notice of potential fraud well before this amount of money was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: WA
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:
This needs to be sent to Experian, XXXX, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to Experian, 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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have 2 accounts with Capital One ending in XXXX and XXXX respectively. with a total debt of # XXXX. 

I have been trying to work with Capital one since XXXX to work out a plan on payong off the two accounts that I have with them. Since then the accounts have been sent to collections and since I have no source of income other than XXXX, I can not pay this debt back. 

I am working with an attorney to file bankruptcy, however they advised me to send in this letter with proof of the only income that I have is XXXX and that I am unable to get work because I have no ability to read, write or get transport dur to recent conplete XXXX. Hence, since the only source of income I have is XXXX which is not legally garnishable in a judgement, it is unlikely that this debt will be or can be paid back. I receive such a small amount, that I can not support myself and pay back Capital One at the same time. 

Since the XXXX is permanent and withs the state of inflation, it is likely that things will not improve in the future either Also, with the continued added interest each month and with such a large principal payment, I can not afford even to pay back as little as {$20.00} a month. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-05-18
Company: EQUIFAX, INC.
State: WA
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:
This needs to be sent to XXXX, Equifax, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 1681XXXX 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 non-monetary relief
Consumer complaint received 2022-05-18
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:
While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.

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 2018-05-08
Company: ALLY FINANCIAL INC.
State: IL
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:
After paying off my Ally auto loan, they claim to have sent me my car title within 3 days of payoff but I have yet to receive anything. I kept checking the USPS website to see if it has come through yet but never saw any correspondence from them. After more than a month passes I call them again to request the title and they confirmed that they do not have the title so they can only send me a lien release letter which means I have to go through the trouble of filing paperwork for a duplicate/lost title that costs upwards of {$95.00} or more here in Illinois. As I do not believe they ever sent me a title after after speaking with them over the phone I kindly request assistance in what my options are in this matter. I have been researching this online and it appears this has happened to other people as well. Thank you for your time and consideration.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-07-08
Company: WELLS FARGO & COMPANY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 contacted transunion multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX XXXX XXXX New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for murders bank fraud etc. and transunion continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have transunion explain this? they cant the only number transunion should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud XXXX XXXX denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both transunion and XXXX XXXX harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter

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 2023-10-25
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. Or 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 response to consumer: Closed with non-monetary relief