BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: Source Receivables Management LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reference # XXXX I am disputing the whole amount I am being charge {$200.00} plus any fees associated with this. 
The XXXX account XXXX associated with this charge, dates from XX/XX/XXXX. On XXXX contacted XXXX, to let them know that I was having trouble with my service, dropping calls and I had no data access even though I was on the unlimited plan, XXXX from technical support gave me ticket # XXXX, said this issue should be fixed and ticket to be completed in 72 hours. 
On XX/XX/XXXX contacted XXXX again with the same issue and other questions regarding my bill. XXXX from Tech took the call. 
XXXX decided to send me a mobile hot spot so I would not drop calls at home or near my house. 
In XXXX I decided to leave XXXX and returned the mobile hot spot. XXXX doesnt not have a very effective way of keeping track of certain transactions and they failed to credit my account. On XX/XX/XXXX I noticed that I had been charged approximately {$200.00} ( XXXX XXXX dollars extra ) I contacted XXXX and I spoke to XXXX and XXXX, one was a supervisor, I asked why the {$200.00} extra charge? I asked him to find out if they had received the mobile hot spot, XXXX said that a port in Texas had received on XX/XX/XXXX at XXXX am Received by XXXX XXXX Delivered to XXXX XXXX Tx XXXX Dock Tracking number : XXXX Again, XXXX has made me waste so much of my time, has put a lot of stress on my life, has given me so much anxiety for the threat that they are going to send this collection and ruin my credit. XXXX received this device shortly after I cancelled my service with them in XXXX. If they had well trained and reliable workers and a reliable way of keeping track of transactions and mainly of returned devices. I believe XXXX has committed lots of fraud with many other customers who do not keep records, those customers either take the hit on their credit report or pay XXXX what they dont owe. I wanted to fight this case because I did not find it fair to have XXXX ruin my credit nor have to pay XXXX for a device ( mobile hot spot ) that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance XXXX {$2000.00} 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 explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

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 XXXX XXXX XXXX. 

XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-07-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 In Re of Truist Bank Account # XXXX Amount Taken XXXX Dear Sir/Madam, I am writing this letter to report a serious concern related to an unauthorized garnishment of my bank account by Truist Bank on behalf of XXXX XXXX XXXX 

The garnishment was carried out based on an out-of-state judgement. However, I was never served with this judgement, nor was it domesticated in my home state as required by law. I am unaware of the details of this case or why my account has been targeted for garnishment. The sudden and unauthorized deduction has caused significant financial hardship and distress. 



This action by Truist Bank has not only financially impaired me but has also left me unable to mount a legal defense due to lack of funds. This has effectively left me vulnerable to a judgement that I have not been properly made aware of or had the opportunity to contest. 

Based on some information that trust provided it appeared to be a Texas Debt Collection Agency representing XXXX XXXX XXXX  who is not licensed to transact in the state of Florida and furthermore XXXX XXXXXXXX has never done business in the state of Texas. Hence the requirement of domestication must be met but has not. 

Furthermore, despite numerous attempts to communicate with the bank, they have refused access to the garnished funds without providing a valid court order. I find this situation deeply troubling as it has created an imbalance of power and has denied me due process. 

I am therefore requesting your urgent intervention to investigate this matter and to provide guidance on the necessary steps that need to be taken to rectify this situation. I trust that the Consumer Financial Protection Bureau will consider this matter with the gravity it deserves and help ensure that my rights as a consumer are protected. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} I had a total student loan at EdFinacial of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire remaining student loan balance. 

On XX/XX/2022 I spoke to a representative at edfinancial and requested {$20000.00} of my balance get refunded back to me and the loan balance be reinstated at edfinancial so that I can apply for the One time Federal Student Loan Debt Relief for {$20000.00} for which applications have already launched. I cant apply until loan balance of {$20000.00} gets updated in edfinancial and XXXX It has been more than 1 month now and I have not received my refund of {$20000.00} and I do not see my balance updated for {$20000.00} on edfinancial and studentaid.gov Side Note : Also the XXXX XXXX  page at Login has misleading information provided by edfinancial which says " You will have to wait until the end of next year XXXX XXXX to submit the debt relief application '' XXXX XXXX is the deadline by which to apply for student debt relief application and this is contrary information which states one can only apply after XXXX XXXX. PLEASE ask them to correct this as this can be misleading information for all student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
The website XXXX offers free credit reports every week from XXXX, XXXX and Equifax. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CCS Financial Services, Inc.
State: AZ
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:
This is a complaint from XXXX XXXX against Credit Collection Services for Credit Collection Services failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX ( consumer ), received a demand letter from creditor, Credit Collection Services. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 1 month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Inaccuracy # 1- The account numbers do not match. Transunion and XXXX is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
XXXX XXXX ran my credit with several banks on XXXX. XXXX XXXX  will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. XXXX financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to XXXX XXXX and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.

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 2023-10-12
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose. 

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

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 2023-02-12
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: Old information reappears or never goes away

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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 USC 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 explanation
Consumer complaint received 2022-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are XXXX XXXXXXXX who refuse to properly verify an alleged debt, as I have repeatedly requested the original signed contract as proof that a debt is owed. Instead, they decided to file a lawsuit. And their repeated and dismissive response to get the CFPB to close complaints against them is false : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( KPD ) is in receipt of the complaint ( XXXX ) filed by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX represents Capital One, N.A., successor by merger or interest to Capital One Bank ( USA ), N.A., in a collection lawsuit filed against XXXX XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under Case Number XXXX. The lawsuit is ongoing and all outstanding issues are expected to be resolved through those proceedings. '' This issue is not expected to be resolved through court proceedings because they have asked the court to MOOT my motion to compel them to present the original contract agreement. In other words, they do not feel that they should present the original contract agreement to me or the courts although they are suing for an alleged contract. Make it make sense, please. I am demanding at this point that they explain why they will not properly verify the debt by presenting the original contract agreement, as they are in violation of the XXXX XXXX XXXX XXXX  and each violation is a cause for monetary relief.

Company response to consumer: Closed with explanation