BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, XXXX Bank of America sent me a copy of the appraisal used to estimate the market value of my home. According to the letter appraised value of my home is {$380000.00}. When I reviewed the appraisal completed by Bank of America I found the report based on incorrect information using my home was built in XXXX. I gathered information from the XXXX XXXX XXXX XXXX XXXX 's public records. According to XXXX XXXX Assessor records ; my home XXXX XXXX XXXX XXXX, CO XXXX was built in XXXX XXXX Story/Ranch, Total Above Grade Area XXXX. XXXX XXXX XXXX {$360000.00} and XXXX XXXX XXXX {$29000.00}. 
The XXXX comparables used by Bank of America were ; XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX. XXXX XXXX XXXX {$430000.00} and XXXX XXXX XXXX {$34000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX XXXX Market Value {$400000.00} and XXXX Assed Value {$31000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Area XXXX, XXXX Market Value {$350000.00} and XXXX Assed Value {$27000.00}. 
I want Bank of America compare with XXXX home with same sizes and XXXX story home with my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-07-11
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at a KeyBank location in XXXX, Ohio, I attempted to withdraw a {$1100.00} money order from 1 of my 2 checking accounts with a teller. The account I tried to withdraw from had a recent SBA loan deposited. This loan I had recently applied for and was approved for since I own businesses. The teller saw this deposit as potential fraud needing verification according to how she said she was trained because she is a new employee so she called over a manager named XXXX. I asked them both if I could draw from my other account which had sufficient balance to cover the {$1100.00} money order and he said no. He proceeded to tell me my in front of other customers, staff and the other manager that my account " was fraud '', my account would be flagged due to the SBA fraud and he needed me to sit and wait while he verified this deposit. I sat and waiting while he and another manager named XXXX called someone regarding this. I do not know who he called. As I waited I asked XXXX why could I not get {$1100.00} since my accounts had more than enough to cover this and/or I could take it from the other checking and he said XXXX is handling this. I showed him the SBA loan approval in my phone and the screen went dark and he asked me to reload it and I did and he looked again but still did not help. After 15 minutes XXXX told me I could get the {$1100.00}. As the teller was withdrawing my money order he mentioned to me where both of my accounts were opened and said in front of her that my account may be closed after I leave due to fraud. XXXX accused me the entire time I was at the bank a being a criminal. He and XXXX did not allow me to withdraw from either account which is not proper protocol. XXXX had no reason to suspect a fraudulent transaction. I showed my ID, I have been a customer since XXXX. I believe he profiled and discriminated against me. I am young and XXXX. He also made an exerted effort to watch me walk out the back to see what car I was going to or who I was with. His behavior was over and beyond protocol. He can not determine by calling anyone if my SBA loan was fraudulent. In speaking to a KeyBank executive, she acknowledged that he was supposed to at least let me draw from the other checking account. I want to know who XXXX called and what was said about me. I also suggest the video be seen of this situation. I asked a few times while I was there why I could not draw money when my SBA loan was less than my account balance before it was even deposited. He blocked all my funds, not only the loan amount. He spoke to me as it was definitely fraud every time we communicated and I had corrected him to not say that in front of XXXX and the teller because it was a legit loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To start I was going to a school called the XXXX XX/XX/2006. I am not a US citizen, however it was never explained to me that I would n't be able to graduate if I did n't have proper documentation so after two years I was told I could no longer attend but that I would still be required to pay back all my loans. I was young then and ignored everything and let the loans default. After several harassing calls from collection agencies through the years I finally caved in. I understand that I should n't have let them go into default but I still felt that they should n't have approved me for these loans in the first place knowing very well that I was n't a US citizen given the amount of time it tames to become one. One of the last times I got contacted by XXXX Services they told me that I could pay XXXX all at once and my entire balance would be paid off. My loans are over XXXX for all three. I told them they were crazy. There was no way I could do that. The guy I spoke to advised me to take out a loan with my bank or something and I told him that because my credit was so bad because of these defaulted loans I would n't get approved at all. He told me to figure it out and hung up. Again I started ignoring the calls and finally the last time the guy said that I could pay XXXX and the XXXX each month until XXXX and XXXX of the XXXX loans would be paid off. Then the larger one I will have to pay over XXXX for that and that I would have to figure out after XX/XX/XXXX on how to pay that back. Aside from feeling that I should n't have had been approved in the first place has been my last experience with XXXX XXXX XXXX. Just talking to them on the phone it did n't sound like they know what they are doing. They sent me a couple of faxes and at XXXX point they had my name and address wrong. I 'm afraid that i 'll pay this and when it comes to XX/XX/XXXX they 'll XXXX say that it was never applied to the principle and I have just been paying the interest down. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my Equifax report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: MarkOne Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
One Advantage Debt Account # XXXX was paid in full amount {$54.00} on XXXX/XXXX/16 via mastercard to creditor XXXX XXXX XXXX directly. 

However, One Advantage fails to acknowledge that the debt is paid in full. I have asked them to contact XXXX XXXX directly to confirm full payment, yet they fail to do so.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was introduced to the idea of borrowing money for large purchases starting at the age of 17 for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...

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 2020-08-13
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. # XXXX XXXX, Tx. XXXX Experian XXXX XXXX  XXXX XXXX, Texas XXXX RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX XXXX XXXX Acct # XXXX in XX/XX/XXXX. 
I was saddened to learn that you somehow out of all the other credit reporting agencies, you verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed as other credit reporting agencies has, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with with XXXX XXXX XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at with XXXX XXXX XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, 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 2023-01-23
Company: Experian Information Solutions Inc.
State: NM
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 OTHER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-02-24
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. 
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, 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 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