BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I ordered an XXXX laptop and used Affirm to pay the purchase off on installments. The laptop was supposed to be delivered using express delivery on XX/XX/2022, but the date was changed to XX/XX/2022 then XX/XX/2022. So I canceled the order with XXXX then immediately contacted Affirm to request my first payment be refunded that I made on XX/XX/2022. Affirm informed me they had to open a dispute then canceled my autopay until the dispute was resolved. They asked me multiple times to upload the same documentation showing I contacted XXXX as well as all attempts to cancel the order along with XXXX 's response. I provided the information multiple times including documentation that the order was canceled as requested after a lot of back and forth with XXXX. Affirm then asked for XXXX 's shipping and cancellation policy which I also provided. XXXX is XXXX of Affirm 's preferred merchants. Once I provided everything a second time I was told I need to wait until XXXX returns their money before my refund can be processed then it will take 3 to 10 business days. After receiving their money, I get an email stating the transaction failed so I need to verify the address for a check to be mailed in 16 business days. Please keep in mind the same payment method used to make the first payment as well as the address are both on file. Nothing has changed and this isn't my first order with them. When I contacted them because no attempt was made to my bank, I was told it was done automatically and the only error provided " Processor error '' so it needed to be mailed. When I asked how's that possible same system received my payment. He couldn't say. It's nerve racking negate he kept reading from a script. So I provided my address and told him it's the address on file since opening the account. This company appears to want to keep my funds as long as possible before returning them. I don't think the credit was attempted on my account but part of their delay tactics. When I asked that my account be closed as soon as my check is mailed, I told I'll have to call back to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

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 2022-01-19
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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 of the Fair Credit reporting act, this creditor, XXXX  XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. The dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand these late payments be removed in accordance of Law 15 USC 1681 section 604A section 2, or I will be forced to take legal action.

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 2023-05-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX, I entered into an auto loan agreement with XXXX XXXX for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to XXXX XXXX. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with XXXX XXXX to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with XXXX XXXX, they ( XXXX ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, XXXX XXXX reported a missed auto loan payment to Experian, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted XXXX XXXX The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call XXXX again to confirm the XX/XX/XXXX transaction and to stop treating this consumer 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 explanation
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 XXXX of 2020, a Bank of America account was opened under my name that I was not aware of. Ive disputed this multiple times with Bank of America and XXXX XXXX XXXX however they refuse to remove 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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have ITEMS that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 explanation
Consumer complaint received 2023-03-29
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Two charges of {$280.00} were flagged. Got a call selected option that said not authorized/recognized. Waited for rep, and never got one. PNC tells me different things, and I am overdrawn. I can not even dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I wrote to the card company and told them that the card was not obtained by me it was obtained online by my ex fianc who was living with me at the time and is now currently serving time in XXXX XXXX. We have not been together for more than three years and I have been disputing this card the entire time. The debt is for {$600.00} around that amount. The card company is XXXX XXXX or Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: OCMBC, Inc
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We received a pre-approval from loanstream in XXXX and went into contract to purchase a property. We submitted every piece of information that we could possibly give. Our initial closing was slated to be XX/XX/XXXX. On the Sunday before, they requested information ( at XXXX ). We worked diligently to provide this information and submitted it all on the XXXX ( Monday ) in the morning ( est ). We heard nothing. The closing was delayed until the XXXX. Right before the XXXX, they came back asking for more " information '' ( aka conditions ). The issue is that they were requesting things which we had already provided. The closing was delayed again. Fast forward several days, our contact with the seller expired. We are at risk of losing our deposit for the property. LoanStream continued to blame the broker, however, it was determined through personal phone calls which I made, Loanstream dropped the ball repeatedly. Every time that I called, they told me that the loan was being " finalized '' and in " docs ''. They pulled a bait and switch on the very last day of their contract ( we received their " counter '' on the XXXX and THEIR portion of the contract expired on XX/XX/XXXX ) upping the deposit and interest rate. The reason that they gave to us on the XXXX was " can't verify rent ''. They sent a denial letter stating " inaccurate collateral '' which is absolute lie because the property appraisal ( which they received weeks ago ) was {$400000.00} and we were purchasing the property for {$380000.00}. The denial mentioned nothing about the " rent issue '' that they claimed when they tried to raise the down payment and the interest rate. Because of Loanstream, we are out thousands of dollars and have been under constant financial stress and headache for the past 60 days. I have documents to back up my statements, a timeline of events to prove they are at fault as well as the testimony of the real estate professionals and broker. 

They also pulled my credit 3 times in a 60 day span and charged me {$30.00} every time as well as risked my credit score.

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 2023-01-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving SMS debt collection notices from this short code. There is no name attached, no identity confirmation, no addressee, and no method to stop the messages/opt out ability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Westcreek Financial
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX, while I was at my home in XXXX, XXXX  ( my husband and I have dual residency between XXXX XXXX XXXX ), someone opened an account using my name, social security #, date of birth and XXXX address of XXXX XXXX XXXX, XXXX XXXX XXXX The phone number used to open this account, however, is not my phone number. Their number is XXXX and my current phone number is XXXX. 

As a side note, I hold my driver 's license in the State of XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have no information on what form of identification this person used. 

In noting the name used to open this account ... my name is spelled incorrectly. My legal name is XXXX XXXX and the account is recorded as XXXX XXXX. 

The purchase was expensed at XXXX XXXX in XXXX, XXXX  for an amount of {$8000.00}. The credit was processed through the XXXX XXXX XXXX  and serviced by Koalafi whose address is po box XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted Koalafi at XXXX today, Monday XX/XX/XXXX. This identity theft just come to light yesterday because I spent the past 3 months at our home in XXXXXXXX XXXX Upon going through 3 month 's of mail, I found statements and correspondence from Koalafi concerning this account 's deliquency status. Account number is recorded as XXXX. 

Koalafi indicated they attempted calls to this phone number since XX/XX/XXXX, and has been unable to speak to anyone. All calls go to voicemail. 

I have filed a dispute with XXXX via XXXX. I have also filed a report with my local police department here in XXXX XXXX, XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: DC
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 accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I submitted an identity theft report from the federal trade commission FTC Report number XXXX to Equfiax as I have been a victim of fraud and identity theft. I added all the fraudulent accounts in my request and nothing has been done. I did not open any of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. 

Equifax is in violation of the Fair Credit Reporting ACT also called XXXX since i been a victim of identity theft and have submitted all the proper documents and they have not removed these fraudulent accounts within 4 business days as the law states. 

I have provided more than enough evidence to support my claim This is my third request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible NCA Account # XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Account ( XXXX 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

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 2018-01-11
Company: Professional Placement Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Professional Placement Services , LLC sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: MD
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 submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation