BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Klarna AB
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX fraudulent purchase made on Klarna for a XXXX XXXX. Was unaware of the purchase until I received a text from your company listed below XXXX Klarna sent first contact via text informing me a transaction XXXX XXXX XXXX notified Klarna of fraudulent account/activity on customer support hotline XXXX Klarna sent email confirming dispute and requesting full explanation of what they considered an unauthorized purchase XXXX XXXX XXXX responded XX/XX/XXXX with full explanation via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX Klarna requested the following documents via the XX/XX/XXXX email : copy of the police report, a copy of an FTC ID theft affidavit, and a photocopy of your government-issued photo ID. 
XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX. 
XXXX Klarna requested the documents requested on XX/XX/XXXX email XXXX XXXX XXXX followed up with image of certified mail receipt and informing Klarna that XXXX has been trying to delivery XXXX Klarna received registered mail of all requested documents from XX/XX/XXXX XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via phone call. Representative said that she saw the dispute, resolved in our favor, and that we should be receiving a letter soon stating such. 
XXXX Klarna sends late payment letter in the mail stating that it will send this fraudulent to collection XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a recent review of my credit report, I have noticed you are trying to collect on a debt you say I own you, but I have never received a call or letter from you, so I need you to please tell me on what date did I open an account with you and why you think I owe the debt. Send me a signed copies where I contracted to do business with you and the date I entered into an agreement with your firm or the name and address of the original creditor to whom the debt is currently owed, the account number used by that creditor and the amount owed to that creditor the date it was open and the date it was transferred. 

Pleas provide verification and documentation with my signature on it, and that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide written agreement that created my original requirement to pay the amount and age of the debt, a copy of the last billing statement sent to me by the original creditor. Explain how the debt is permitted by law and if so why you did not give written notice that you are taking action past the limitation period and are you trying to get around this law by reporting and old debt as newer that it really is. But by lying about the age of the account is or the date of any delinquency, you or the debt buyer violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: United PanAm Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Finance Company lost interest to a vehicle that was stored in a body shop for damage that occurred through a tow truck company. Body shop wanted an excessive amount that was not afforded by myself or the finance company. Finance company  agreed to release interest in vehicle and release any liability or responsibility I had on vehicle. To this date there is a balance on my credit report and it is documented as a reposession. 

I would like this information corrected on my credit report per the agreement we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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 have 2 accounts in collections on my experian reports, I have submitted paperwork to prove this is not my accounts, I have spoke countless times with experian and they have a green multiple times that they will be taking these accounts off, it has been over 2 months now and this is affecting my family!!!

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 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Capital One Secured MasterCard and was approved in XXXX, 2018. I had to EFT {$390.00} to a secured savings account in order to receive a {$500.00} credit limit. I received my card XX/XX/2018. I did not activate it immediately because I was told by Capital One Customer Service I could increase my credit line to the {$1000.00} maximum by not activating it and call a representative to transfer the additional funds. I called their Customer Service line this A.M. ( XX/XX/2018 ) and was told my account had been closed by Capital One. After being cut-off twice I finally spoke with someone in the " appropriate department '' that said my account had been closed because of information on a background check they did on me. I never approved, in writing, a background check to be pulled on me, which is the law. I have to expressly authorize in writing, which I did not. I have open checking and credit accounts with the two largest banks in the U.S., XXXX and XXXX and this was NEVER an issue. I think Capital One is violating the law by opening secured accounts for individuals and pulling background checks without the applicant 's written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: U.S. BANCORP
State: AL
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:
In 2016 my ex-girlfriend 's cousin stole a check and over drafted my account. Now, 5 years later US Bank still has not done anything to rectify the situation. I have submitted my police report to them on no less than 3 occasions. I call them every few months for an update and I receive the same answer, " they're still waiting on the police report. '' I have receipts of two occasions where the police report was indeed sent at the requests of the US Bank representatives. The receipts include names and email addresses of the recipients. I also have the name and address of the thief. Her name was written and signed on the check. My signature was nowhere to be found. I am very concerned that the unauthorized check was cashed in the first place and even more so at the incompetence of US Banks representatives. They continue to deny I sent them any documentation, though I have proof that it was not only sent, but also forwarded to another employee. I refuse to pay them for money that was stolen FROM ME. As such I have been unable to open an account with any other bank for the entire time ( 5 years now ) I strongly urge anyone to avoid doing business with them because from my experience they do not care about their customers. This needs to be investigated and rectified as I am certain I am not the only experiencing these issues with US Bank.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: RI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** 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
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: RI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** 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
Consumer complaint received 2023-03-28
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Just started using the American express card. There's no spending limit on this particular card and after using it for approximately 2 weeks we made our first payment to the credit card which effectively, and for unknown reasons locked up all of the credit cards for our company. 

The payment was made in the previous week early on and by Monday the following week the payment had not yet been received the cards were still not usable. When queried the company said that this is because we were attempting to make our first payment. Until a relationship was established with our bank the credit cards were going to remain locked. To be able to use the credit card up until the first payment is made and then lock the account? This makes no sense to us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im showing client name : XXXX XXXX XXXX ( Collection agency ) Dating back to XX/XX/2015 for the amount of {$740.00} This is not an account that I never had or was responsible for paying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my 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 2017-09-25
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business checking and savings account with Wells Fargo in early XX/XX/XXXX. I received an email onXX/XX/XXXXsaying thy closed my account and it was set to {$0.00}. I had {$9200.00} in checking and {$5200.00} in savings.
I called to see why my account was closed and they only could tell me that the account needed more information and I need to go into a branch.
I went back to the branch I opened the account at XXXX XXXX XXXX XXXX, MD XXXX. I spoke with XXXX XXXX Case # XXXX. He found out that the gentleman who opened my account did n't do so correctly and he is no longer there.
He said they sent a check to a UPS address with no mailbox in XX/XX/XXXX. I never received that check with my funds.
I was told that in order to stop payment on the check that is lost I would have to pay around {$300.00} because of some surety bond. I should n't have to pay for something that was n't my fault.
My business funds have been tied up for 2 months. I 'm not getting any answers. I email and call XXXX and the branch manager ( XXXX XXXX ) everyday. They say they are waiting to see if it 'll be in return mail.The district manager called me 1 time. Said he would call me back the next day but never did.

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 2023-07-05
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 report agency can not furnish a account without my written instructions.

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.

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