BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Contract Callers Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of XXXX XXXX and moved to XXXX in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXXXXXX XXXX XXXX  is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Contract Callers Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Contract Callers Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX XXXX XXXX . I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid.

I have reason to believe that their agency is not licensed to collect debts in my state ( previously in XXXXcurrently in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where their agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in XXXX and/or XXXX XXXX  .

My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
last month before XX/XX/20 I went to boa bank in XXXX location. 
I try to save my money in CD. Cuz now the interest is rate is pretty good. 
The banker name XXXX was helping me I told her I want to save my money in CD She told me theres other CD I can get which rate is higher than original CD. I trust her I said sure. Lets do it. she said I need to transfer money to an app. I start doubt it. I asked is this investment? Is it like stock I need to buy? Is it a risk? Is it more tax than original CD? 
Anyhow she said no. Its a CD and no risk and its not stock. 
I believe most banker are nice and will not lie to me So I trust what she said transfer my money to the app and follow her step and bought the CD her mentioned After a week I opened XXXX XXXX XXXX I see my money is dropping the price. I noticed thats not a CD. Its an investment. I couldnt sleep in few days and went back to XXXX. I asked her if this is normal? Her attitude was totally different and said oh my next client is coming. I said I just need 30 sec you anwser my question. She said oh I told you it is investment and dont worry its no risk. 
I felt scammed and betrayed and I am really uncomfortable with this situation

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 2023-04-08
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am submitting this complaint against LVNV who has violated the FDCPA in their debt collection tactics which has damaged my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

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 2023-03-14
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have more than XXXX payments that qualify for the PSLF program. My servicer, MOHELA, processed this paperwork in XXXX, but they only applied the information to some of my loans. My account currently shows that I have over $ XXXX of loans with XXXX payments. This is incorrect. I have lost track of the number of times I've called. In my most recent call, in XX/XX/XXXX, I asked if MOHELA needed anything from me to update these payment counts. The representative said, " your account is good '' and " just give it time. '' They promised that the counts would be updated after the first of the year. We are now approaching the second quarter of XXXX, and there has been no update on my account and absolutely XXXX communication from MOHELA. 

The problem is that MOHELA does not process paperwork accurately and does not communicate factual information. My loans should have been forgiven long ago, and I do not understand why MOHELA is being paid to process loan forgiveness when they are not doing their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
MY PROFILE HAS BEEN COMPROMISED BUT EQUIFAX HAS DECEIVED ME! ON XX/XX/XXXX AND XXXX 2023 EQUIFAX REPORTED TO ME BY LETTER AND RESPONSE HERE THROUGH THE CFPB THAT THESE INQUIRIES XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX HAVE BEEN DELETED, BUT THESE INQUIRIES ARE STILL BEING REPORTED TO MY EQUIFAX CREDIT PROFILE! THIS IS UNACCEPTABLE AND EGREDIOUS THAT EQUIFAX IS IGNORING MY DISPUTES AND USING DECEIVING PRACTICES! I AM TAKING LEGAL ACTION IMMEDIATELY IF THESE ITEMS ARE NOT RECTIFIED NOW UNDER FCRA 605B. I HAVE ATTACHED PROOF THAT EQUIFAX HAS INFORMED ME ON XX/XX/XXXX AND NOTIFIED BOTH ME AND THE CFPB ON XX/XX/2023 THAT THESE INQUIRIES HAVE BEEN DELETED ALONG WITH PROOF THAT AS OF XX/XX/2023 THESE SAME INQUIRIES ARE STILL REPORTING ON MY EQUIFAX CONSUMER PROFILE OVER A MONTH AFTER YOUR CLAIM OF DELETION. DELETE THESE ITEMS IMMEDIATELY OR MY NEXT STEP IS TO CONTINUE WITH MY SUIT AGAINST YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In the provided letter, the individual is disputing inaccurate names and addresses on their credit report. The discrepancies include names like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Additionally, there are listed erroneous account names and numbers ( ID # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ). The letter cites the Fair Credit Reporting Act ( FCRA ) and specific provisions ( 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681c ) that mandate accuracy in consumer reports, investigation of disputes, and the inclusion of relevant creditworthiness-related information. The individual requests a thorough investigation into these inaccuracies, the removal of incorrect accounts, and the provision of an updated credit report. The letter also warns of potential legal action if the dispute is not addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report this morning XX/XX/XXXX and notice a derogatory account on my credit. 

Looking further I noticed it was from Amsher Collections agency. I have no idea of this debt or what it pertains to. They never contacted me regarding the debt via phone, or email, or mail. Which fails to meet the guidelines of the CFPB. 

I never got a notice and they are falsely accusing me of having this account, without ever giving me the means to pay it off or settle the debt if it were mine. This is unjustly accusing me of the debt without my legal due process taking place. 

My name is XXXX XXXX, Address is XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX Phone is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB Support Team, I am writing to appeal the ban on my PayPal account, which has been active for the past 9 years without any disputes, chargebacks, or warnings. My account, which is fully verified with all my information, was banned suddenly and without any warning or discussion. As a long-term PayPal user XXXX I rely on this account for my daily bill payments, and I feel that this ban is unfair and unwarranted. 

I am willing to provide any necessary documentation to validate my transactions and to address any concerns that may have arisen. I believe that my account has been wrongfully banned, and I am requesting your assistance in getting it reinstated as soon as possible. 

I appreciate your attention to this matter and your prompt response in resolving this issue. Please let me know if there is any additional information I can provide to help expedite this process. 

My PayPal account email is XXXX Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My XXXX and I have ( had ) multiple accounts with simple [ bank ] and our accounts were suppose to ( seamlessly ) merge in to XXXX compass ( theyve had a very long time to perfect this transition ) this morning was the date and they complete XXXX it up leaving all simple bank members with XXXX access to our accounts/funds ; moreover we were given no follow up email. I and many resorted to XXXX to find info. The only option they gave us was to call ... which is how we all spent our day, on hold, only to be disconnected. After all this the only thing we have is an apology via XXXX and telling us that we can now spend our XXXX ( XXXX XXXX ) on hold with their company again to attempt to gain access to our accounts and funds. We are quite concerned at this point and like my XXXX and myself we have paychecks that go in to a newer account and an additional account for certain bills, that are automatic, and require moving money in to it and I can do nothing about it. This should have had a fix done today. This should have been done in batches to prevent this and nobody should have to spend their entire weekend on hold with a bank that doesnt even care to send us correspondence, updates and assurance for a mistake of this caliber. XXXX must be held accountable for this. The moment I have access to my money again I will be moving it elsewhere. This is absolutely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently noticed an error on my credit report regarding my XXXX  loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: VA
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:
I had a collection on my Equifax credit report placed by XXXX XXXX XXXX. It has been on the report for a year and 8 months. On XXXX XXXX. 2022 I called the XXXX and made arrangements to pay the debt, I paid at once with my bank debit card, they in turn notified Equifax of the settlement. Equifax now shows the debt as paid but continues to report the debt as a negative with remarks that lt needs my attention. This is keeping my credit score from a fair rating. Everything else on my report is perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Collections : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC 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 2023-12-11
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation