BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: American First Finance, 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:
MEMO TO : XXXX XXXX, Co Founder of XXXX, XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX American First Fiance XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, CFO of XXXX XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer of XXXX XXXX Customer Service, XXXX XXXX XXXX, Chief Legal XXXX of XXXX XXXX XXXX XXXX Customer Service, XXXX FROM : XXXX XXXX XXXX XXXX : Federal Trade Commission, File # Florida XXXX XXXX XXXX File # Consumer Protection Agency, File # Consumer Financial Protection Bureau, File # Federal Trade Commission, File # DATE : XX/XX/2023 RE : American First Finance Loan # : XXXX. The loan servicer will not accept my credit card payment for the final loan payment. 






I am writing this letter to the executive leadership team of XXXX, the financial holding company of American First Finance, and to report to Consumer Protection Agencies listed above to inform of the deceitiful and injustice policies of American First Financial maintains. 

I took out a XXXX  days loan of {$990.00} to purchase a refrigerator on or around the second week of XXXX which has an Early Purchase Option Amount in which I have 0 % interest loan. To avoid balloon loan payments that will double the cost of the initial purchase to {$2000.00}, I called and spoke to the American First Finance Representative and asked to make a credit card payment to pay off the balance on the account of {$470.00} - see below. The Representative stated that the company can NOT accept credit card payments only debit card payments. I asked her to explain why credit card payments are not a form of payment and she could not explain the policy. I asked to speak to her manager, and I was abruptly disconnected. 

Using a credit card is a legal monetary tender, and I was denied the right to use this tender. I recognize there is a nominal fee associated with the credit card transaction and I am happy to defray the fees associated with using a credit card. I believe American First Financial uses the no credit card processing policy as a deceitful and unfair policy to keep the American public indebted to their financial institution. Again, if I do not make payment by XX/XX/XXXX, my loan balloons to {$2000.00} even if I owe {$470.00}. 

Due to the time-sensitivity of this letter, I am requesting the senior leadership team of XXXX and/or American First Financial to address my concerns by emailing me at XXXX or XXXX to resolve this matter in a timely fashion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had spoken to Capital One multiple times before the beginning of 2022 informing them that I was struggling to make payments due to loss of employment and lack of financial income. At the time, my fiance was using the card ending in XXXX to pay for school and her own bills. She could not afford to make payments and due to my loss of income and employment, neither could I. 

Unfortunately, this account went late and eventually went to charge off status. I have sense paid this account and would like to ask that the lates be removed so that I can try and get my son and I a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my account in XXXX of 2021 and they restricted my account. Its been restricted with a XXXX balance for almost two years. Its effecting my credit and Ive asked several times to close my account and they tell me they can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: OK
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 a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX  XXXX  Account Number XXXX XXXX & XXXX Account Number XXXX XXXX XXXX XXXX  XXXX  Account Number XXXX Account Info Account Name XXXX  XXXX XXXX  Account Number XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Unsecured Account Name XXXX  XXXX XXXX Account Number XXXX Account Type XXXX Responsibility Individual Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 confidentiality under 15 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} credit limit {$1800.00} Balance {$180.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX {$200.00} Credit Limit {$300.00} XXXX {$870.00} XXXX Finance current XX/XX/XXXX credit limit {$2500.00} Balance {$10.00} XXXX Account XXXX  Recovery XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX Account XXXX XXXX System open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX Account/ XXXX  Account System, XXXX XXXX  XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXX Account XXXX Account XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXX Account XXXX  Univers open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXX Account XXXX Star Credit open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section States : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( 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 explanation
Consumer complaint received 2021-10-04
Company: I.C. System, Inc.
State: AL
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:
After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.

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 2023-04-04
Company: CBC Companies, Inc.
State: CA
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:
8 Inquiry dates are not mine.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been requesting over and over again to the Credit Reporting Agencies to investigate and correct my Credit File by fixing or deleting these erroneous accounts that are still reported by the Credit Bureaus despite the multiple dispute letters and CFPB complaints I have been submitting. These accounts reporting erroneous information on my Credit File is in violation of the Federals statute, Fair Credit Reporting Act section s 609 and 611. Also, the Credit Bureaus have been claiming that the disputed accounts have been verified and yet they are not able to send me copies of proof of verification! For the last 6 months, my dispute have been constantly ignored! I have made up my mind and I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the FCRA. I am submitting this CFPB complaint to warn the Credit Bureaus to remove the disputed accounts before me and my legal counsel would be able to submit a lawsuit. Once again, I am requesting that the Credit Reporting Agencies correct my Credit File by removing the following accounts from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-10-19
Company: EQUIFAX, INC.
State: MI
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 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Byrider Franchising, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I leased a Vehicle from JD Byrider ( CNAC ) and the whole process was fraudulent feeling, and Wrong id later find out. They over charged me on a XXXX XXXX XXXX that was faulty basically rigged up for the sale. But i ended up paying XXXX XXXX XXXX  for a vehicle i only gotten to drive for 4 months or so. I called multiple times to fix the issue and was bullied and and taken advantage of bc of my lack of knowledge of cars and buying cars. They knew it was my first vehicle and i was desperate bc i wasnt having very good luck with finding my first vehicle. They tried to charge me XXXX dollars plus intrest on a vehicle that blue booked XXXX to XXXX XXXX in great condition ( the vehicle i leased was not close to good condition ). I ended up paying XXXX dollars the majority while the car was broke down in my driveway for way too long. I was told they would fix it or trade in if i could drive the broke down car to them from 5 hours away which they knew and had only said that after i told them i couldnt and that car was my only transportation. ThSo i was threatened about my credit and intrest on my loan if i didnt contenue making payments on the then broke down car. So i did for way to long. They finally towed the vehicle back to the shop after 7+ months of us going back and forth. They had no attentions on letting me trade it for a diferent vehicle or fixing it and letting me continue making payments like they said and said was their policy they kept the vehicle then hit me with the bills like they had planned when they shook my hand on the " sale ''. Next thing i know im in debt with them no vehicle and credit took a hit and havent been able to get a vehicle from a decent lot in years bc the mark on my credit. I want my money i spent on XXXX XXXX XXXX  repairs and payments on a haunted house with new fancy curtins. They could have atleast traded the vehicle for a different pos like they said they would. Ive been denied more times then i can count or over charged bc of CNAC JD Byrider. Killing my credit lost my job bc of transportation and draining my pockets. This was in XXXX through XXXX in XXXXXXXX XXXX  at JD Byrider my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXXXXXX XXXX Balance Owed : {$52000.00}, XXXX XXXX  XXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
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:
There are two ( 2 ) accounts on my credit report for auto loans that I did not authorize & I would like investigated, & removed from my credit 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 2023-02-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;

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 2023-06-30
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2016, there was faulty toilet flapper, that caused flooding in a bathroom and {$1300.00} damage. We had our lawyer to respond back to the apartment manager after they wanted us to pay for the damages with a letter letting them know we are not responsible and stated that they are responsible under Landlord. Act ( RLTA ) RCW 59.18.060 ( 8 ) that the Landlords duty to maintain plumbing, electrical etc. to keep it in good working order.

Company response to consumer: Closed with explanation