BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file complaint against JEFFERSON CAPTIAL SYSTEMS for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against JEFFERSON CAPTIAL SYSTEMS : JEFFERSON CAPTIAL SYSTEMS has failed to supply proof under the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contracts, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, I urge JEFFERSON CAPTIAL SYSTEMS to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that JEFFERSON CAPTIAL SYSTEMS ceases reporting this disputed information to any third parties immediately. JEFFERSON CAPTIAL SYSTEMS has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with JEFFERSON CAPTIAL SYSTEMS. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that JEFFERSON CAPTIAL SYSTEMS cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that JEFFERSON CAPTIAL SYSTEMS have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by JEFFERSON CAPTIAL SYSTEMS. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking account opened at Bank of America by an impersonator and unknown phone and email addresses were added to the account.

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 2023-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
hello and i would like to say i had a car loan with credit acceptance from XX/XX/XXXX until XX/XX/XXXX. and yes my car was repo during that time and I had to pay extra fees. I did try to get my payments lowered but they would not work with me at all. My vehicle is XXXX XXXX XXXX. I just paid my vehicle off XX/XX/XXXX. I one point I had to get a second job to catch my payments up. I paid XXXX, XXXX for a XXXX car. It took me 6 years to pay off. My car got repo in XXXX once im thinking XXXX. that amount of money was and is to much for used vehicle. With a six year contract.

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 2023-06-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed numerous times to have this account removed. They never provided me with the verification I requested. I filed a complaint with XXXX XXXX XXXX account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was canceled XX/XX/2022 on XX/XX/2022 my account had more than {$3000.00} XXXX checked my account XXXX XXXX to find out I only had {$900.00} then on XXXX another {$2800.00} was deposited.including {$1000.00} from unemployment and {$1800.00} social security.I was told to give them another XXXX business day to get it straight I never heard back from them, I call claims and was told the case was closed. Please help

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 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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 am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

Sincerely, 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 2023-04-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Unexpected Permanent Limitation Imposed on PayPal Account I am writing to file a complaint regarding a recent unexpected issue with my PayPal account, which I have used dutifully and in adherence to all stated guidelines for a significant period of time. This issue surfaced on XX/XX/2023, when my account was abruptly flagged and consequently limited without an explicit justification. 

My usage of PayPal has predominantly been for online shopping purposes and for enabling monetary transactions between acquaintances. Throughout my experience with PayPal, I have maintained an utmost commitment to ensuring that all transactions conducted through my account are entirely legitimate, and to the best of my knowledge, do not violate the Acceptable Use Policy as laid out by PayPal. 

Despite my consistent compliance with all requirements and guidelines, I was taken aback to receive a notification informing me of a revocation of my account privileges. The notification, unfortunately, did not provide any specific information or details about the reason behind such a significant action taken against my account. Consequently, the grounds on which my account has been limited are still unclear to me, leading to substantial inconvenience and concern. 

Given my historical usage and adherence to PayPal 's policies, I am led to believe that this could potentially be a result of an unintentional error. I trust that this issue will be addressed promptly and my account will be reinstated at the earliest convenience, considering the severe implications it holds for my routine financial transactions. 

Thank you for your attention to this matter. I eagerly anticipate a resolution that reinstates my access to PayPal 's services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Paid off loan XXXX on XX/XX/2023. Have email proof from Affirm and XXXX XXXX. Today XX/XX/2023 Affirm claims I owe them money. I have proof I paid this loan and absolutely will not pay a dime more. Expecting this to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CL Holdings LLC
State: TN
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:
In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Kikoff Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I recently applied for a car loan ( within the last month ) and my credit score came back lower than I anticipated. My wife did some research and indicated it was due to an outstanding balance of {$24.00} to a company called Kikoff. 

I have never heard of Kikoff or signed up for any services from this company. On Friday, XX/XX/XXXX I attempted to log in using all of my email addresses and discovered none of them were listed as valid. I then went through the forgot email flow and the email associated with my account is : XXXX This is not my email or anyone in my familys email. I believe this account has been fraudulently/maliciously opened on my behalf and that Kikoff has been incorrectly influencing my credit score. 

I contacted the company on XX/XX/XXXX and indicated : 1 ) I would like the issue resolved immediately 2 ) I would like the account closed 3 ) I would like the {$24.00} balance erased 4 ) I would like any adverse reports to any/all credit rating agencies related to this account and balanced reversed I provide my email and mobile number as contacts. I received a response email from an email address XXXX on XX/XX/26 indicating they were escalating to their internal fraud team for review. They asked that if I had completed an FTC report or filed a local police claim that I should attach it to the email for their review, thus my opening of a complaint with CFPB. 

I appreciate any assistance you can provide with this matter. 

Many thanks in advance- 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 2021-08-27
Company: Experian Information Solutions 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:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage through Penny Mac. We moved in XX/XX/XXXX. Our taxes were {$790.00}. This XXXX we get slapped with a bill for $ XXXX and our escrow is empty when we paid {$100.00} extra a month! Instead of {$1400.00} we pay {$1500.00} so NOW XX/XX/XXXX our mortgage comapny says that they paid last years taxes they have totaled at nearly $ XXXX with interest, late fees, and other nonsense charges in addition to THAT we also suddenly owe $ XXXX RIGHT NOW for XXXX taxes!!! We are first time home owners, my husband is in law enforcement : we do not have an extra $ XXXX a month that they are demanding! We picked a smaller home bc we KNEW we couldnt afford a larger payment we have XXXX children! For our payment to jump from {$1400.00} to {$2300.00} is absolutely unacceptable!!!! This was PENNYMACS ERROR - and now theyre making US pay for it. ABSOLUTELY NO FOREWARNING and if we dont pay it - we get foreclosed on!!! We are all scared and freaking out! I didnt even know this could happen!!! This is why we got a FIXED INTEREST RATE so it WOULD NOT HAPPEN - YET HERE WE ARE!!! I am just absolutely sick with worry. We could barely afford the mortgage as is! Please help us! XXXX We have called and called and sent documents after document trying to resolve this and no one will help us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: PA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Affirm Holdings, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: DOLLAR MUTUAL BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I'm reaching out because of Dollar Bank and charging me overdraft fee too many times multiple times a month. I dont understand how I got overdraft when I get my paycheck for example today XX/XX/2023 and they charge me {$72.00} for XXXX different transactions.

Company response to consumer: Closed with monetary relief