BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: BANK OF THE WEST
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: Account information incorrect

Complaint:
Bank of the West is inaccurately reporting a balance. This mortgage was refinanced by XXXX XXXX Mortgage yet Bank of the West is still reporting a balance. Please correct and update the balance to zero with Bank of the West.

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 2023-11-27
Company: SYNCHRONY FINANCIAL
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-03-14
Company: Affirm 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: Account information incorrect

Complaint:
I have an account with Affirm that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with XXXX twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that XXXX paid no attention to what was sent to them. I then called Affirm again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. XXXX did not do its job and neither is Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Capital One Bank has illegally closed my account. I called in on XX/XX/2022 to dispute 2 transactions which were {$2000.00} from XXXX and a XXXX payment for {$1500.00} that I did not not initiate on my account, the account tenure was over 1 year. On XX/XX/2022 I called in to check the status of my claim. I was told by XXXX, agent id XXXX, that I will be receiving the disputed amount of {$3500.00} between XXXX XXXX XXXX. This morning, XX/XX/2022, at XXXX a.m I received an email stating that I had to call in because of suspicious activity on my account. I immediately called capital one customer service number XXXX, a capital one customer service representative agent id XXXX, she stated that capital one has decided to close my account because I pose a risk to the bank. I asked XXXX was this a discretionary decision made, which she did not answer. She kept repeating herself lying to shield herself from any accountable, and refusing to answer questions I can legally ask as a consumer. I also spoke with the fraud department supervisor XXXX, agent id XXXX, and she also hid behind shady business policies imposed by Capital One. This company is using predatory tactics that linger investigation to negate their refund policy for disputes, which states that customers will receives a credit for funds disputed until the investigation is complete. The representatives refuse to divulge any information that explained the reason for a lengthy investigation after the closure of an account. This tactic is used in an attempt to surpass individuals ignorant to the bank procedure and process. Capital One is illegally withholding information from customers and bullying consumers to believe this is policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Spoke with Lexis Nexis, XXXX, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX and I feel that I am being mistreated possibly based on those facts. An UNAUTHORIZED deposit by an UNKNOWN source was attempted to be deposited was made on my account when I became aware I contacted the bank and informed them of this unauthorized activity and I was told That I have protections in place in that my accounts would not suffer any freezes or accounts closures In that my account was in good standing While I initiated a investigation with the correct department on the situation, suddenly and without notification within hours my account had been frozen my card had been deactivated and my personal funds were frozen in the account that had nothing to do with the said Unauthorized transaction. In response to this a senior representative opened a new account with a new card and new online access to set up direct deposit and bill pay and transfer my funds to my newly created uncompromised Account so that I could rest assured that no further unauthorized activity would occur. since this closure I have been belittled, threatened and intimidated by this small back office called account closure and have made numerous complaints about these tactics they have utilized saying things like " they are XXXX and I am beneath them and there is no one to pray to for help '' promising to make sure that criminal charges are filed and that I will never in the future have an active account anywhere else and that my business was not and never was wanted. They even went as far as to say they have made a decision before any facts of the investigation have come to exonerate me as a vigilant consumer whose only falt was to report suspicious activity as is outlined by the terms and conditions that I had signed with Bank Of America ... Numerous senior representatives were shocked and flabbergasted as well as disappointed in this behavior and offered any assistance they could after seeing that I was transferred to 15 different people in the same day in the same department and suggested that I take this route to make sure my standing with this institution is redeemed and my banking future is secured

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 2023-03-14
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} 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 {$0.00} XXXX XXXX XXXXXXXX {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Account status incorrect

Complaint:
Account sent to collections when i already had a payment plan in place paid off in full still was placed on my credit report as delinquent

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 2022-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which PRA lack sufficient evidence to properly obtain default judgments. 

In so doing, PRA violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
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:
Prestige financial charged off my auto loan XX/XX/XXXX XXXX XXXXor the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in XXXX This horrible company is going against the loan contract and I think law as far as what they can continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Yesterday XX/XX/2019, I had three charges taken out of my account within the 3 to 5 business days it takes a merchant to receive funds and my account was still in a positive balance at that time. The next morning those same three charges caused three separate overdraft fees even though the bank and merchant had already processed and received those same three charges the day before. Through the chase bank app it showed that the charges for target totaling {$26.00}, {$66.00}, and {$72.00} were taken out of my account yesterday with a positive balance. This morning the overdraft fees were for those same three charges. I spoke 5 different representatives at chase bank over the phone. Not a single person was able to waive the overdraft fees even though I told them I would pay the balance immediately without the 3 overdraft charges. No one gave a clear explanation as to why Im being charged insufficient fund fees for charges that had already been taken out of my account the day before. No one can explain the that order in which the charges were taken out today are different from yesterday. I asked to speak to what I was told was higher ranking supervisors but they were no help as well. Ive been a customer with them for over 10 years and I am suspecting unethical practices are in play here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was attempting to get a loan with TD Auto Finance at the recommendation of my dealership. I was trying to purchase a new XXXX XXXX with XXXX XXXX in XXXX, TX. TD Auto Finance had already pulled my credit successfully and were trying to verify who I am by using my phone number ( something they say they have to do with a 3rd party software ). The software gave them an error and they were unable to verify my identity after doing a hard inquiry on my credit. Neither they or the dealership was able to provide me with answers. Shame on TD for doing a hard inquiry and not being able to proceed with the loan. I even asked for a manager or supervisor and was told that was not an option. It isnt fair that as a consumer my credit is damaged from a company I am trying, and fully qualified to get a loan with, for them to simply turn me away due to an error with their system. Their customer support is nonexistent and I am very disappointed in their response. The dealership is recommending I reapply with another bank which isnt fair to me because that results in another hard inquiry into my credit. The number I was given to contact TD Auto Finance is XXXX, option XXXX. I was instructed to ask for a bank interview with an underwriter. I have had my same phone number for 15 years and never had a different cell phone number. Why they insist on using a phone number verification I am not sure. But it seems like a poor system to do business with qualified people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 to the fair credit reporting act 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 has violated my right XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency to not furnish account without my written instructions 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

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 2019-12-31
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XX/XX/XXXX I my mother ( XXXX XXXX ) purchased a vehicle for me. The finance company was Tidewater XXXX XXXX based in XXXX XXXX VA. The loans was for 60 months in term and XXXX monthly. So I had been using my debit card to pay every month. I started to run into financial difficulties in XXXX and then finally filed for bankruptcy in XX/XX/XXXX. 

There was a " stay '' that was in place to protect me for 90 days until the debts are discharged. Throughout the period from the time I filed on XX/XX/XXXX, I received several calls from Tidewater XXXX XXXX. I had two calls from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. They left messages on my voicemail demanding payment on every occasion. They also sent me a letter " Congratulating me on my Fresh Start with my bankruptcy ''. They also offered me {$15000.00} to purchase a new vehicle. They knew I filed bankruptcy. 

They finally came to repossess the vehicle on XX/XX/XXXX. I called them on the date of this complaint and they did could not give me information because I was not the owner of the loan is what they stated. So I asked them to return the payments that I had paid. They didn't say anything. So I notified that I would be filing the report. They violated the bankruptcy stay order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

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.

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 non-monetary relief
Consumer complaint received 2022-01-22
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Last payment to original debtor, CashNetUSA, was on XX/XX/XXXX. Debt was sold to another company, XXXX XXXX XXXX at unknown time. XXXX XXXX XXXX has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line XXXX on page XXXX of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : XXXX # debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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