BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Cedars Business Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a phone call from XXXX at Cedars Business Services. He was claiming that I received a traffic violation in XXXX XXXX back in XX/XX/XXXX that I never paid. I was quite confused as I have never received any correspondence from XXXX nor Cedars prior to this phone call and my trip was almost a year an half ago. I asked for documentation supporting this claim and XXXX emailed me paperwork from XXXX which states I received a violation for driving in a restricted traffic zone without authorization. I was in XXXX XXXX for only a few hours visiting the XXXX XXXX XXXX  XXXX and made sure to follow the rules and not enter any restricted zones. I also never received any ticket on my car or in the mail from XXXX. 

I did not know of any ticket until I received the call from XXXX on XX/XX/XXXX. He is asking to collect {$470.00} on a ticket that initially was for {$110.00} ( euros ). The additional charges were late fees accumulated on the account. I explained that I did not receive any correspondence relating to this ticket and had no opportunity to appeal and/or pay the ticket. XXXX told me that he has no ability to reduce the ticket and if I do not pay they will have to send it back to XXXX and they will hire legal representation. I asked if I could call XXXX to explain my situation and he told me they would not help me. 

Remaining hopeful, on XX/XX/XXXX, I reached out to XXXX to explain my situation and they told me that they could not help me as the matter was now with a debt collector. They recommended that I explain the situation to the debt collector and that they will be able resolve it. 

I feel helpless in this situation as I would never ignore a violation intentionally. I have never dealt with a debt collector in the past and am unclear if their practice is to scare us into paying this violation, especially with the significant amount of fees tacked on to the cost. 

I am hoping you can help me resolve this matter as this has caused a lot of stress due to the significant amount and the debt collectors practice of not listing or working with me. 

I appreciate your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputed this account numerous times stating the erroneous violations under FCRA & FDCPA but keep coming back verified. these violations can be {$1000.00} per violation in a lawsuit.

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 2022-04-28
Company: Second Alliance, 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:
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 late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I got a notice of a collection owed of {$150.00} on my credit report from a XXXX account that I deactivated in XX/XX/XXXX. I never received any notice of this amount owed prior to the negative remark on my credit report, I contacted XXXX specifically asking if I paid the amount owed, would they remove it from the credit report since they had not sent me any information, and they had deactivated my old account so I could not view the bill. The collection was closed on XX/XX/XXXX. I would like this negative remark removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I trust this letter finds you in good health. I am writing to request a modification to my address information in my credit report. My name is XXXX XXXX XXXX, and my birthdate is XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX, AL, XXXX. 

I have recently relocated and kindly ask for your assistance in updating my address information as follows : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX I understand the critical importance of accurate data on my credit report, and I am committed to ensuring the correctness of my personal information. I kindly request the removal of all my previous addresses, which were as follows : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I kindly ask that you update my credit report with the new address mentioned above. If any further documentation or verification is required, I am ready to provide it. Kindly confirm the completion of this update by sending a written confirmation to my email address at XXXX or by contacting me at XXXX. 

Your dedication to maintaining accurate consumer information is greatly appreciated. Thank you for your prompt attention to this matter. 

Sincerely,

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 2022-12-19
Company: Experian Information Solutions 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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: National Commercial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. XXXX requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NC
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:
I have contacted Equifax numerous times about my account issue. All they say is it's being escalated. When fax them info they say they never received it. They send me letters saying they have no accounts for me. When I call I speak to them about my account every time. My credit score can not be pulled at all by anyone or company. The public great score on XXXX XXXX is not the correct score. My score and account history have not been updated since XXXX of XXXX. Everytime I log into my account online it sends me a message with an error code that says XXXX. It says to call and give agents this code. I've called and sent letters and faxes so many times and they just keep saying it's been escalated to there tech team. It's been months now I can't apply for loans or credit at certain places. They aren't doing anything at all this is an internal issue with there systems online I've seen this has happened to many people and they didn't help them either. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts are being disputed because they are not mine and are in my report. 

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased and traded in a new vehicle from layered XXXX XXXX in XXXX Kansas at that time my trade-in had {$23000.00} left on the loan amount with Toyota financial group. XXXX XXXX did not fully play off the Toyota financial loan leaving a balance of {$250.00}. I was unaware that the new dealership did not completely pay off the loan for the trade-in vehicle they made a mistake during that transaction with paying off the loan to Toyota financial. I get a hit on my credit report from Toyota financial saying that my account was delinquent two months after the transaction with the new vehicles dealership had been completed. I have reached out to Toyota financial numerous times to no avail. I have spoken with the dealership that sold me the new vehicle and made the accounting error and they have offered to write a letter to Toyota financial to dispute the delinquency because it was the new vehicles issue and mistake. They will give me any documents we need to clear this up I have like I said Ive tried to talk to the Toyota financial to no help besides a address.I was never informed by Toyota financial that the loan was not completely paid off and did not know that I was responsible for an additional {$250.00} until I got a ding on my credit I blame the new dealership and I blame Toyota financial for not reaching out to me and not telling me that the complete loan was not taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
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:
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. 

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 an 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 2022-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX XXXX Citizens Bank. I do not have a signed agreement with Citizen 's Bank. It is showing the account is closed on my credit report but again, I do not have a signed agreement with Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: U.S. BANCORP
State: MI
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:
This complaint is against US bank my credit card, the number is XXXX XXXX XXXX XXXX, which was paid in full XX/XX/2019 before the due date. I called the company and asked for a payoff balance which they gave me as being {$2300.00} gvien the fact that I had asked for a payoff balance earlier and the above amount was given. When the atatement came out it showed me still owing {$18.00}, which I feel that I do not owe because when you pay the balance that XXXX out the account. What I was told that the cash advance interest had not be charged as the time of the pay off, which to me is usary or fraud, what ever the case I shouldn't have to pay that money and not to mention the other charges the representative informed me that is forthcoming. This isn't the first time I have had an issue with US bank regarding the interest on my outstanding balance. What they do is charge a standare interest and then a daily APR which is two interest fees being charged to the customer. 
I have attached two bank statements explaining my situation and their fee charges practices that needs to be corrected and disallowed.

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 monetary relief
Consumer complaint received 2023-02-18
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our home on XX/XX/2021. We closed with the attorneys present. The title was presented as clear and was fully transferred at the time of closing. Additionally, the loan was paid off at time of closing as was required. We received confirmation from the lender ( XXXX XXXX ) on XX/XX/2021 that the relevant loan ( # XXXX ) was paid off. We recently received a letter from the Chicago Title Insurance Company stating that we owe them {$22000.00} from a debt associated with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has TWO entries ( of type 'Line of Credit ' ) for a single account Name : XXXX XXXX XXXX XXXX Line of Credit - One entry shows - Wrong account # : - An old balance from 7 months ago - No payment updates since 7 mos ago - Other entry shows more recent balance - Accurate account # - Relatively recent balance - Payment dates START 7 mos ago ( see a correlation? )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NC
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year

Company response to consumer: Closed with explanation