BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2019 we got a car from XXXX XXXX in XXXX Maryland and went under the impression we were getting a car for our personal, household, and family use under credit via a consumer credit transaction. However after reading consumer laws that is not the case. We are calling out the violations that Capital One Auto Finance and XXXX XXXX of XXXX Maryland committed when we went in for a consumer credit transaction. We were not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys ledger as an asset. Capital One Auto Finance is not the original creditor and that is false and misleading per the FDCPA. Per the Retail Installment Sale Contract ( RIC ) it states the dealership as Seller- Creditor meaning CoaF is just merely a debt collector. Capital One Auto Finance and XXXX XXXX of XXXX did not disclose that upon the consumers providing their social security numbers aka credit card as defined in the Truth in Lending Act, credit would be used by the dealership and the financial institution to obtain a Loan from the federal reserve bank per ( 12 USC 1431 ) in the consumers name and returned as a loan. To further on the RIC there is a security interest provided which states This secures all payments You owe on this contract and any transfer, renewal, extension or assignment of this Contract. It is my understanding that means that the Security Interest was indeed payment on the RISC and my obligation to perform was satisfied. Also per the Truth in Lending Act the consumer was only to pay the finance charge in a consumer credit transaction. However much more was paid. We was also told by the dealer that we needed to pay a XXXX down payment which is also a violation in a consumer credit transaction. I am requesting validation of debt per 15 USC 1692g. In addition Capital One Auto Finance is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has XXXX ( XXXX ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation ( documentary evidence ) from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Please note that a contract is not evidence of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, T XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not open this account and they do not have proof of me opening this account so please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written this company several times and have been ignored. Last attempt was on XXXX XXXX certified mail. They reported this account # XXXX to XXXX and I don't even know you. I know you're a collection company and when you buy debt from the original company the debt is already PAID. I know they're paying XXXX to keep this on my credit which I already spoken to attorney about this and they advised me to take this route and if nothing happened then I can hire his team. I don't recall giving XXXX XXXX XXXX XXXX to have my health records to be release to a third party. I need you to send me Validation of Debt and HIPPA AUTHORIZATION, please provide me a breakdown of fees including any collection cost and medical charges, Provide me a copy of my signature that I have agreement with WakeField and Associates. Provide a copy of my signature with the provider of service to release my medical information to you. I am asking for last time to delete this from XXXX credit report. Can you also provide me with Agreement with your client that grants you the authority to collect on this alleged debt. I need verification that this debt was assigned or sold to a collector. I asking one more time to send my a signed contract with WakeField and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

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 2023-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ACH transfer via Wells Fargo to XXXX XXXX XXXX XXXX. In XX/XX/22 ACH in the amount of {$17000.00}. XXXX failed to deliver goods and services paid for. Requested WF reverse transfer. WF refused without reason ACH rules state s failure to deliver goods or services is a valid reason for reversal.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX Originator on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

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 2018-05-22
Company: Experian Information Solutions Inc.
State: LA
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:
Hello. I leased new XXXX XXXX from local dealer XXXX  XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call XXXX and tried to dispute this info with credit bureau and XXXX still refusing to take it off. I also got a letter from local XXXX dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, XXXX credit department refused to delete late payment of off my credit.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/21 Pl. help me in urgent fashion with the issue with the credit reporting agency, Experian. 

I am in the process of refinancing my home loan and two lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I s trying ta access my credit but they could not do so. 

After multiple attempt, I could not reach the Experian at by calling : XXXX, XXXX, XXXX, no one came to help and all options leads to a dead-end w/o any live person helping me. 

On XX/XX/21, I sent an express one-day USPS priory mail ( # XXXX  XXXX XXXX ) and the mail was delivered XXXX at XXXX  on XX/XX/21 as per USPS. The mail was sent with the Experian letter to unfreeze my credit signed by me on XX/XX/21 that came from my Experian logging telling me to send that letter with my ID & other proofs of my ID. I mailed the letter with my XXXX, my XXXX bill, XXXX acct statement copy and my SS ID copy as asked. 

Still, my credit freeze is not removed as requested as of if today, lenders are not able to get an access to my Experian credit report ( they did get the access to XXXX  & XXXX  but the lenders need all three credit reporting agencies report ). 

I am hindered and not able to go forward until the Experian removes my freeze as requested due to my past recurrent ID theft. 

Pl. help ASAP. Pl. send a letter to the Experian ASAP at their address on the letter attaching it & USPS proof of mail after your email me, the draft first for my review. The matter is urgent. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & Mailing Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX XX/XX/21

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 2017-10-19
Company: UNITED ONE RESOURCES, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Capital Alliance Financial, LLC
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've notice some unauthorized inquiries on my Report, Which I like to get removed. according to the FCRA, These unauthorized unverifiable negative items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
XXXX XXXX opened XX/XX/2022. 
Amount {$7100.00} I have contacted XXXX XXXX numerous times and told them this was identity theft and I have also filed a police report with XXXX Police XXXX. Case # XXXX Apparently, Identity Theft is common with XXXX XXXX per the multiple employees I spoke with in their Fraud Dept

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act my consumer rights have been violated. TransUnion is violating my consumer right to privacy Pursuant to XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion is violating my consumer right Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Immediately remove the account from my credit report. XXXX XXXX XXXX XXXX Credit Card # XXXX. 

TransUnion does not have written permission documentation from XXXX to furnish an account on my consumer report. 

THE ACCOUNT IS NOT MINE AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES. TRANSUNION HAS NOT PROVIDED PROOF OF VERIFICATION FOR THE ACCOUNT THEREFORE THE ACCOUNT 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.

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 2021-10-27
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is XXXX XXXX. I will be the only one authorizing this complaint. I will be sending my license, ss card and proof of address. 
I want to make a complaint about XXXX XXXX XXXX and Receivable. Both companies are providing unethical practicing and XXXX and XXXX are just letting it happen. The bill on theses account are paid from the document that i uploaded but they continue to record a collect with owing a balance. That's a violation that needs to be fixed. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation FIRST FEDERAL CREDIT C ( Original Creditor : XXXX XXXX XXXX ) - XXXX - Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name of opposing party : Lien Enforcement inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My Customer # XXXX Parties to the contract/event, or the persons name, requesting the demand : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been contacting me nonstop since XXXX. They are calling me almost every day and harassing me. On XX/XX/XXXX lawyer XXXX XXXX wrote them a letter to stop contacting me as this debt is not mine. They still continue to call. 

I sold my car on XX/XX/XXXX. I did all the correct paperwork to transfer ownership to the new owner XXXX XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I completed the release of liability, the sell as is letter and online notice of transfer up to the United States law in California code standards through the XXXX. XXXX did not do his end of the deal and transfer it under his name. I have proof of this as well. The new owner XXXX had the car towed on XX/XX/XXXX which was after I had sold it to him. 

The police sent me a letter or notice of pending lien for an impounded vehicle around XX/XX/XXXX. I spoke with one of the officers and showed them proof that I had completed everything on my end, and the car is no longer in my possession, and they told me to not worry about the notice as the car is no longer my responsibility.

I am not responsible for this debt, the collectors need to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation