BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified of a negative item on my credit report. I inquired to learn I have an account that is four years old in collections and my score dropped substantially. The original creditor they gave me is no longer in business. I repeatedly tried contacting them. I had health insurance as of the date of service in question. They told me to provide them proof of benefits which I did. They will not remove from my credit report unless the account is paid. Basically they agreed to delete item completely from my credit if I pay them XXXX dollars. I was not aware of this bill nor do I owe it. They admitted the bill was sent to wrong address. I need this removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2019-08-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide any proof of evidence..CFPB please delete the accounts  XXXX  XXXX XXXX**, (Original Creditor: ) XXXX** , XXXX  XXXX XXXX**

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: CT
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 XXXX  acct # XXXX as 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 explanation
Consumer complaint received 2020-09-11
Company: Amsher Collection Services, 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 status incorrect

Complaint:
I contacted XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Who Amsher sold the debit to and paid the agreed upon settlement amount with the understanding that after making the payment they would delete the debt from the credit bureaus. I was told to contact Amshear for the deletion letter but upon doing so I was told that the Attorney had the file and there is nothing Amsher could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: ProCollect, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PRO Collect XXXX contacted me on multiple occasions. The first gentlemen I spoke with I gave him the name of the law firm that I am using to handle debts and eventually file for bankruptcy. I have asked the company to not contact me directly and to refer any questions comments or concerns to my attorney directly that I have retained. They still continue to call me and tell me that until I file bankruptcy in court they will contact me and not my attorney. The most recent calls were on XX/XX/2023.

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 2019-11-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
What is the reason Auto Loan provider do not have to provide Amortization schedule? Having Amortization schedule available online and also every payment request having the break up of Interest and principal ( just like Mortgage ) helps consumer a lot to make decision on payment towards principal and get out of debt as early as possible. 

Also they do not have option on their websites to make an payment towards principal, we have to pay, which by default goes to all future payments, unless we call them to move it towards principal only or other way is via mail. So ease of use is not avalable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a notification from XXXX stating that I had two medical collections reported from Central Portfolio Cont for a bill from a XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX. Last year my identity was stolen and I filed a police report. However, I never received any information regarding this debt. Eight years ago, I went to a XXXX XXXX XXXX XXXX  that is out of business due to fraud but my insurance company paid this bill. I have emailed Central Portfolio on XX/XX/XXXX asking for this debt to be validated but no answer. I will be sending a certified letter today, XX/XX/XXXX requesting for validation. I believe this violates the FCTA and HIPPA. THe agency is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has had hundreds of complaints with the XXXX. Also, I disputed this immediately with XXXX on XX/XX/XXXX and today, XX/XX/XXXX I received results that stated it was verified. How can a CRA verify information within 3 days. I believe consumers need for these agencies to be held responsible for erroneous information being allowed on our credit reports. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended this school for a program which was supposed to be almost a 2 year program the school was paid the entire amount of the program which makes no sense i then had car problems when my car broke down and was not repairable i had to get rid of the car get a transffer from my job back to XXXX I could not finish the program the entire amount of the payment was kept by the school i was never refunded anything money I have tried to work something out with navient other then getting harrasing phone calls and no assistance they tried telling me I could sue the school and try to get my money back. I was not able to complete my course I was only able to attend about 4-6 months of the program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ll disputed ATM withdrawals are duplicates of earlier transactions and have disparate authorize and post dates, given which I suspect they are not even ATM transactions at all and are rather fraudulent transfers affected online. Review of the ATM camera footage will evidence that none of the withdrawals were made by me and likely also the fact that the debits are not ATM transactions. Review of the daily log from the actual ATM would be helpful as well. 

In terms of the overdraft fees, none of those listed are legitimate because either the referenced transaction did not cause a negative account balance or was unauthorized. Moreover, XXXX payments can not even be made without sufficient funds in the account to cover the transaction making it an impossibility for either listed XXXX payment to have caused an overdraft and therefore fee. 

Date Amount Description XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$20.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$250.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$250.00} XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM Withdrawal of {$250.00} XX/XX/XXXX {$100.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$50.00} XX/XX/XXXX {$50.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdra

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a high yielding savings account with a variable interest rate with ING Direct in XXXX. At some point, CapitalOne purchased ING Direct and I became a CapitalOne customer with a CapitalOne 360 Savings Account. At the time, interest rates were high and I received a high savings interest rate. As interest rates fell, the interest rate on my account understandably fell as well, eventually falling below 1 %. With the rise of interest rates in the last couple of years, I expected my interest rate to rise but instead my savings account interest rate has been frozen at .3 % since XXXX. I just learned that around that time CapitalOne created a new product called CapitalOne XXXX XXXX XXXX and began enticing XXXX customers with high interest rates while doing nothing to raise the interest rates for existing customers nor did they specifically notify existing customers about the existence of this new product - no email and no in-App notification. I am outraged that for the last 2 years, XXXX has paid me a pittance in interest when I have had over $ XXXX deposited in my 360 savings account while it has been paying new customers over 4 %. They essentially abandoned existing customers in pursuit of new customers and never bothered to tell us. The rate on my 360 account was supposed to be variable as well but it has not moved above .3 % since XXXX. By my calculations, CapitalOne owes me at least {$10000.00} in interest. Please make them do the right thing and pay me this back interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Mercedes Benz Financial Services
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX MB FIN SVCS Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing to express my deep dissatisfaction and frustration with the way my recent banking issue has been handled by your institution. On XX/XX/XXXX and XXXX of XXXX, I received two XXXX payments- one for {$350.00} and the other for {$650.00}. As per standard practice, I asked the sender for proof of deposit and an ID picture, which I promptly received. 

On XX/XX/XXXX, without any prior notice or explanation, a hold of {$1000.00} was placed on my account. After 5 days of constant calling, I was informed that my funds were under investigation for fraud, and I was not provided with any information about the person making the fraudulent claim. It was only after persistent follow-ups that I was able to find out the name of the person making the claim, and provided all the evidence required to prove my innocence. 

Despite providing all the necessary evidence, I was repeatedly told that it might take 7 days, then 15 days, and finally 45 business days to resolve the issue. On XX/XX/XXXX, I received a call from your fraud department, stating that my account was going to be debited for {$1000.00} due to fraudulent activity. I was shocked and dismayed, as I had already provided all the evidence requested by your institution. 

I explained to the fraud department about all the companies and bank accounts I have had with Bank of America for the past 18 years, and showed them all the evidence required. However, despite my efforts, they simply apologized and stated that there was nothing they could do. 

I find it extremely hard to believe that a claim made three months after the transaction, despite being verified with a code on my phone, could be deemed valid. I have trusted XXXX and Bank of America with my funds, and I am deeply disappointed that my account has been debited without any clear explanation or solution. 

I urge you to investigate this issue thoroughly and refund the {$1000.00} back into my account as soon as possible. I hope that you will take immediate action to rectify this situation, and ensure that your customers are not subjected to such unfair treatment in the future.

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 2019-11-01
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX  XXXX XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief