BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Collection Bureau of America Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit rating and found that my credit number had decreased. It was reported that I have a debt in collection. I did not make this debt and I have no knowledge of it, nor do I have any account with this company. 
The collection agency is the following : CBA Collection Bureau of America The company placing the collection is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested on to receive debt validation from this company. I requested the original contract signed by me, detailed full payment history and proof that this company is able to collect in my state. I have yet to receive any information and its been well over 30 days

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called TransUnion on XX/XX/18 to dispute inaccuracies in my credit file. XXXX XXXX XXXX  XXXX reported to TransUnion on XX/XX/18 that my account balance was {$240.00} and my new credit limit is {$1700.00} with a utilization of 14 % and an overall credit card utilization of 22 % but TransUnion displays old information from XX/XX/18, TransUnion currently displays that my XXXX XXXX XXXX  XXXX credit card has a balance of {$560.00} and the old limit of {$750.00}, TransUnion did this out of spite because I am suing them. TransUnion has out dated information in my account to make me look like Im irresponsible with money when in actuality Ive been great with money, I paid my balances down and received a credit limit increase from XXXX XXXX XXXX  XXXX but that is a problem for TransUnion because they intentionally try to make Credit worthy individuals look like theyre irresponsible and less than they are. A supervisor said she would investigate the matter and make it right but I havent heard from her since I first talked to her. Now every time I call the reps hang up in my face. I uploaded my current XXXX XXXX XXXX  statement as irrefutable proof that TransUnion has inaccurate outdated information in my credit file.

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 2023-12-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to request that you block the following fraudulent information from my credit report. I have no idea how the 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
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:
The information I have with equifax has been breached. They refuse to remove the inaccurate information after finding out I was a victim of their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
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 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-03
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I made 3 transfers from my chime account to my external XXXX account I sent over {$1.00} first and that went thru just fine.. I then sent over {$150.00} that never deposited into my account.. I then sent over XXXX that went right into my XXXX account.. I called chime to see why I didnt see my XXXX I was advised to wait 24 hrs.. I waited and my funds never deposited.. I also verified with XXXX and they also confirmed funds never settled into my account .. CHIME will not retract my funds or show me where they went.. I need my {$150.00} back ..As you can see I have sent all transfers the exact way! Nothing different.. you can also see the {$150.00} came out my chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX # XXXX  XXXX *Account # XXXX XXXXXXXX *Account # XXXX  XXXX XXXX XXXX XXXX *Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My wife and I got a title loan from Wilshire Consumer Credit about 4 years ago and last month I gave the lender {$150.00} for the month of XXXX, I was short {$48.00} of {$190.00} a month I pay, it was a bad month but I still paid partial payment. On the XXXX day Wilshire Consumer Credit repo my car without any notification to prevent from this happening. The contract was signed outside a XXXX XXXX in XXXX by my wife from a representative of Wilshire Consumer Credit that was in a hurry. My wife signed the contract without reading thier horrific terms. This XXXX XXXX will repo your car fast even if you are short XXXX cent on your payment. Times are tough now I have no car to get to work and my commute is around 50 miles each way. It will be a good thing for the state to look into these awful businesses that target the hard working poor citizens that are trying to survive in expensive California.

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 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Kiavi, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with Kiavi and in accordance with Ohio state statute ORC Sec. 1343.011, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %.

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest.

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with Kiavi and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute.

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with Kiavi and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy.

I am attaching copies of both the loan agreement provided by Kiavi and a copy of Ohio state statute ORC Sec. 1343.011 for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first three years of the loan term.

If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 

The listed items are erroneously placed in my file and I believe they are sorely mistaken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
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:
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. 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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/XXXX  I reported to equifax via myequifax and phone that the addresses on file on my credit report are not mine. i filed a dispute on the same date. today XX/XX/ the investigation results completed but the same address remains on file. my address is XXXX XXXX XXXX XXXX nc XXXX they are showing two addresses that are not mine. i even uploaded a copy of my sscard and drvers license to show this. i am going to a small claims court to sue them if this is not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: VA
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 OF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation