BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
15 USC 1681b Permissible Purpose AD Astra Recovery Services Inc failed to provide signed copies of agreement between all parties. 

AD Astra Recovery Services Inc is not licensed in Virginia to collection debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late despite my consistent on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: United Credit and Collections Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute a derogatory record of failed lease payment reported by United Credit and Collection Inc ( XXXX XXXX XXXX XXXX XXXX, Missouri XXXX ) to XXXX XXXX XXXX. United Credit and Collection provided the report on behalf of XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX ). 

We left an apartment at XXXX XXXX XXXX  XXXX for safety and sanitary reasons on XX/XX/XXXX. Prior to leaving we indicated both verbally and in writing to the property manager about the dog barking on our floor, the presence of large dogs in hallways and elevators and the dog excrement in common areas. This was not acceptable to us and a violation of the lease agreement that we had signed in XX/XX/XXXX. The lease we signed had a no animals policy ( Item XXXX XXXX agreement ). The property manager, XXXX XXXX, reassured us that the only tenants who had XXXX agreements would be allowed to have animals. This policy changed and XXXX XXXXXXXX XXXX XXXX advertised their leases as 'pet friendly ' and that any tenant could have two dogs with no size or breed restriction. 
We indicated the safety and sanitary reasons for our departure. We received no response from the property manager about our complaints nor any disagreement about our reasons for leaving. We provided written notice six weeks prior to our XX/XX/XXXX departure and paid an additional 30 days rent on departure. We include as support of our health and safety claim, the property managers notice ( XXXX XXXX ) to tenants about the continuing pet violations in XX/XX/XXXX. This notice was sent two weeks prior to our departure and four weeks after we provided our written notice to XXXX XXXX. We include the lease agreement that indicates NO Animals. We provide a lease ledger indicating the continued churning of our account following our departure for cause. This ledger ( {$3000.00} ) differs from the continued churning found in other ledgers of XXXX XXXX XXXX  XXXX XXXX. that was sent to the credit reporting agency. 

XXXX XXXX XXXX XXXX not only ignored our complaints but also continued to add charges to our account despite the resident managers acceptance of our written notice in XXXX and the acknowledged submission of keys and fobs for our apartment on XX/XX/XXXX. The {$4500.00} charges submitted trepresent churning of our account with continued charges through the end of the lease in late XX/XX/XXXX. 

The notice of pet violations from the prorperty manager is included with the report. 
We left our lease early for safety and sanitary reasons. We dispute the derogatory report. We request the notice be removed from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: GA
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:
Equifax please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
- XX/XX/XXXX, I called Bank of America and found there were two fraudulent Bank of America 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called BOA Fraud department, XXXX, XXXXo report fraudulent accounts, BOA Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to BOA Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from BOA - XX/XX/XXXX, Called BOA Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called BOA Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called BOA, BOA said both cases were closed because they didnt receive the FAX. BOA re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called BOA with XXXX for BOA Claim numbers : XXXX an XXXX, and BOA said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another 7-10 business days. 
- XX/XX/XXXX, Called BOA with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called BOA to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from BOA via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called BOA to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called BOA and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called BOA to request documents since XX/XX/XXXX. We called BOA on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but BOA doesn't give me the documents about account application forms, identity used and power of attorney.

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 2019-03-14
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/2018. 
I just received a collection notice from Lineberger, Groggan, Blair and Sampson for {$52.00}. 
I contacted the firm to get details. I was informed by XXXX that the XXXX XXXX tollroad in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/ 2018. 
I have paid several toll bills from that time and asked how I could find out or dispute the amount. 
XXXX told me that I could only fax a request to the XXXX XXXX. However, I did not take her at her word and called XXXX XXXX instead. They immediately waived {$20.00} told me to call the debt collector back, XXXX immediately reduced the debt to {$32.00} which I paid. 
Lying to consumers who may not have access to a fax machine is an obvious attempt to increase the amounts collected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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 recently disputed the personal loans account on my credit report, and I received the dispute result on XX/XX/XXXX. Unfortunately, despite my dispute, the account in question still remains on my credit report. I am concerned about the accuracy and impact of this account on my credit profile, and I am seeking further assistance to rectify this matter and ensure that my credit report accurately reflects my financial history.

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 2023-05-06
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Advance America DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Calvary Portfolio Services is attempting to collect on an alleged debt for XXXX. The problem is they have made countless legal threats, which is a violation of the fair debt collections practices act 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken. I want this harassment to stop. I am requesting they also respond to my attached letter. I believe they have also been recording my telephone calls without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$12000.00}

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 explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was charged off XXXX. And closed XX/XX/2020, never sent 1099c form to notify so I could balance the books. I'm the XXXX of said accounts. And there's been No written agreement to share Any information pertaining to account.Experian/ XXXX XXXX Do Not have my permission at all displaying personal information

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX : Account NumbeXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2023-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear Sir/Madam, I am writing to you with regards to a pressing matter concerning my PayPal accounts XXXX My name is XXXX XXXX, and in the year XXXX, I processed about XXXX USD. Unfortunately, due to the unprecedented circumstances surrounding Covid-19, I was unable to deliver some of my orders on time. As a result, I received complaints from some customers, which led to PayPal freezing my accounts. 

They stated that after 180 days, I would be able to withdraw the funds. After the 180-day period had passed, I checked my accounts, but there was no money in them. To my dismay, I discovered that PayPal had withdrawn all the funds to their accounts. Since then, I have been tirelessly trying to get in touch with PayPal, but to no avail. 

After contacting PayPal customer service for numerous times, I was eventually able to get an answer and it was the account has a negative balance because of a refund and now my account was with a collection company. I even received letters from this collection company based in XXXX XXXX. 

During my interactions with the customer service team, I have been informed that my account has been blocked due to a refund, and the account balance has been negative by {$130.00}. I want to clarify that I am not the reason for the negative balance in my account. I had over {$70000.00} USD in my account, and PayPal withdrew everything, which caused the negative balance. This was done by PayPal without my consent or knowledge. 

I have been asked by the customer service team to pay the negative balance to unlock my account and I can access the messages PayPal sends to me in regards to the issue, However, I am not in a position to pay that balance as all the money withdrawn by PayPal was from my credit cards, which are now maxed out and over limit. Most of the money invested in the business was from my credit cards. Now I am left with thousands of dollars in debt and having a hard time supporting my immediate family, including my XXXX child, my wife, and my elderly parents. 

I am writing to you today in the hope that you can assist me in resolving this matter. I would be grateful for any help that you can provide in retrieving my funds. Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I went in person to the Wells Fargo Bank at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX to pay off my mortgage in its entirety and close out the loan completely. I said I want the mortgage to be done completely today and the bankers indicated they understood. 
I met with a banker, XXXX, who called the main wells fargo site to get the entire payoff amount for my mortgage # XXXX ( I am client XXXX just a number to these bankers ). 
I owed about {$2200.00} and the payoff amount from the wells fargo main site added {$200.00} " fee '' to completely close the loan ( Check amount was {$2400.00} and change ) and I got a receipt indicating a " XXXX balance and that the mortgage was paid off completely '' ( It took 4 staff to process my final mortgage payment in the bank in about an hour total time- I figure they do not have much experience in closing out mortgages ). I was told " congrats and the mortgage was completed ''. On XX/XX/2019 I received a letter indicating that " the funds received were less than the total balance owed '' and that I was going to receive ANOTHER mortgage Bill ( amount to be dertermined )!!!! This is completely dishonest, unethical and reflective of the recent bad press that Wells Fargo Bank has received. This is simply the wrong way to do business and completely ruined my mortgage pay off day, a once in a lifetime event. I went in in good faith and paid off the loan 7 years early per the bankers guidance and direction. I am going to the media next- I hope this makes national news. These are really low bottom -- dwelling banking practices. They can not do this to hard working people who actually go the extra mile to pay off a home loan the right way after many years of sacrifices.

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