BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: LA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2022-04-30
Company: Duvera Billing Services, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2020 The manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX deceive me into applying for two loans totaling {$6100.00} to get my car back he was holding as hostage. 
I was hardest hit, and I was committed to keeping my financing needs a top priority during this uncertain time. These extremely high interest charges from auto shop/lenders unfairly punish society 's most vulnerable, hurting low-income consumers like myself and communities of XXXX. XXXX is profiting off high fees charged to those struggling the most leaving me and my family in financial distress.They have trapped me in a cycle of debt, their tactics are abusive and predatory and especially borrowers of XXXX. 
I filed a complaint with the Office of Attorney General Back in XX/XX/2020 with no resolution, only to have XXXX XXXX XXXX XXXX manager respond back he don't know why I'm unhappy. I have the letter to prove it. 
XXXX original balance was XXXX, as of today, I have paid them {$2800.00} and they still have my Payoff at {$3000.00}. They are swindlers, swindling me out of extra cash, this is a crime and one form of theft. I do not want to harm my credit report and score so please help me and stop this swindling from XXXX. Thank you. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Westlake Services, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went to make my final payment of {$490.00} on my car loan and the loan company states that my final payment is over {$2000.00}. They are telling me that I requested a payment due date change from the XXXX of every month to the XXXX of every month when this loan was first started back in XXXX. They are telling me that they informed me that I agreed to a " balloon '' payment at the end of the loan in order to have this happen. 
I have tried for several weeks to get some confirmation and resolution to this issue. The " supervisor '' states that she listened to a recorded call from XXXX and it is confirmed. I have asked to hear this call for myself or receive a transcript of the call. If I actually agreed to this as they say I would pay the extra {$1600.00} but as I do not ever recall agreeing to this so called balloon payment as I would not have changed the due day each month if I had known this. I ma told that it is their policy not to allow me to hear the recording or receive a transcript and I must take their " word ''. 
I have made my final payment of {$490.00} as scheduled but now face a past due of {$1600.00} per their " balloon '' payment. I am facing late charges and repossession if I do not pay what they want.

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 2023-05-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2021 I made a payment to my insurance company, XXXX XXXX, using Bank of America 's online bill pay option in the amount of {$1100.00}. Evidently, B of A uses XXXX XXXX to process their bill payments. XXXX XXXXXXXX received the {$1100.00} payment on or about XXXX but XXXX XXXXXXXX was unable to match the payment to our insurance account due to a change in their billing system and returned the {$1100.00} payment to the issuer, in this case, XXXX XXXX. XXXX XXXX has not refunded the money back to Bank of America to credit to my account. It is a business account. Bank of America has issued us a case number, back in XXXX of XXXX, but has been unable to resolve this issues and credit our account the {$1100.00} due. I have spent hours on the phone and hours dealing with a person at 2 different B of A branches to resolve this issue and keep getting told there is nothing they can do until XXXX XXXX gives them more information. My relationship is with B of A, not XXXX XXXX and XXXX XXXX will not deal with me to assist with this matter. I asked for a provisional credit to the account but was denied by B of A and told I'd just have to wait until they can do further research. No one is willing to take the time to solve this issue and I am unable to speak with anyone in authority to assist me with the refund/credit. My money is lost in limbo somewhere in the Bank of AmericaXXXX XXXX digital orbit!! I have all the documents available to me that traces this issue from Bank of America, through XXXX XXXX, to XXXX XXXX and XXXX XXXX returning the {$1100.00} to XXXX XXXX where the funds become lost.

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 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit management has constantly been calling me sending me letters threatening to take me to court if I did not pay this credit card debt. They did actually send me a judgment. My court date is XX/XX/XXXX. I called them on XX/XX/21 at XXXX XXXX. to try and resolve this issue. They said I owed {$1700.00}. I can make a {$210.00} Payment right now and make a {$100.00} every month to pay it off. I asked them if they could lower the XXXX so I could pay it off sooner. They kept saying they couldn't do that. Then came up with an amount of {$1300.00} if I paid it all right now. I explained that people have been out of work thru covid. People haven't been able to pay any bills. Not many people have that much money anymore. I told him I could pay {$210.00} today and make a {$150.00} payments every month until this is paid off the XXXX. XXXX is who I spoke with said no they couldn't do that they have to have {$1700.00}. I didn't understand why they could lessen it down to XXXX. XXXX kept telling me they couldn't let me pay {$1300.00} I had to pay {$1700.00}. The only way I could pay {$1300.00} is if I paid it all in full which of course I can not do. There is really no different in me making payments on {$1300.00} rather than {$1700.00} if I'm trying to pay it. He asked me if I got a covid check. I said yes. I had to pay my other bills with that money and get my bills caught up which is really none of his business. There are people out here that have lost their homes and everything else because of this covid. it has been a very hard year. At least I am trying to pay it. I don't understand why he can't take {$200.00} payment and then a {$150.00} every month until {$1300.00} is paid off. Instead he wants me to pay the {$1700.00} and take me to court. I have tried to work with them and I just do not think it's fair that they XXXX the price up but lower it. That to me is a scam and it just tells me that they can work with me a little bit more. Not everyone has that kind of money. I had to go in debt because 1 the covid and 2 my son who has XXXX has a XXXX  XXXX and has needed a lot of help. It is very hard to deal with a son that has XXXX XXXX XXXX and it's been very difficult for myself. My son has been in several hospitals for this XXXX and it's very stressful. At least I was willing to pay payments on this and pay it off the {$1300.00}. It looks to me like if I'm willing to pay it. they would take what they could get Instead of taking me to court. I was willing to work with them. But they kept telling me they couldn't take any less than {$1700.00} but then turned around and told me that if I paid {$1300.00} they could take that in full. In that case they could let me pay {$1300.00} in payments. that is fare. That's all I can do at this point I do not have that much money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector showed my parents my debt information and even allowed them to take a picture of it with out my knowledge or consent. The date was XXXX XXXX. 
They showed the amount owed as XXXX. Even though I only owed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: FL
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 have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, XXXX, and experian needs to remove these items my scores are supposed to w in the 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-01-13
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I feel violated by employees revolving around benefits to which I am entitled and are an abuse of power when XXXX told me about my XXXX benefits under ending account XXXX on last Friday that she will fix this and it is your account, immediately I felt uncomfortable. She said that she will straighten this out by replacing identifier with mine and forced me to report it with Bank of America and now nothing has matched up because of this. 

Then with XXXX XXXX the conduct of XXXX that I are made feel violated and an abuse of power by her and that on Saturday XXXX I spoke to her about my account and she " Out the Blue " said I am putting a block on your account, I said why? So no one can go into your account without your authorization. When I called back I discovered she lied and it was to allow benefits in but that I could not withdraw and this were not my wishes and are wrong. Now that I can see what they are doing to block payments I truly want all three blocks removed ending 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 2019-09-20
Company: Bread Financial Holdings, Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is Victorias Secret Angel credit card account ending in XXXX, as reported by Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CL Holdings LLC
State: TX
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:
Mailed information company : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Collection Notice - Lack of Required License Dear Jefferson Capital Systems, I am writing to address a matter concerning a debt collection I never received a notice but I received an alert from my credit report that that your agency has placed on my report. I wish to bring to your attention that, based on the information available to me, it appears that your agency may not be appropriately licensed to collect debts in the state of Texas, as required by the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Please be informed that it is a violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to engage in debt collection activities without the necessary state license ( s ). As a consumer, it is my right to ensure that my debt is being collected by a licensed and legally compliant debt collector. Therefore, I kindly request that you provide me with the following information : 1. Your agency 's license number for debt collection in the state of Texas. 
2. Proof of your agency 's compliance with the licensing requirements as mandated by the state 's debt collection laws. 

I expect your prompt response to this request, as failure to comply with the necessary licensing requirements could constitute a violation of the FDCPA. If your agency is not licensed to collect debts in my state, I demand that you cease all debt collection activities related to my account immediately and remove any negative credit reporting associated with this debt. 

Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until you can provide the requested information and demonstrate your compliance with state licensing requirements, I will not acknowledge this debt as valid. 

I kindly request that you respond to this letter within 30 days from the date of receipt. Failure to do so may result in my taking further action to protect my rights as a consumer. Additionally, please be advised that I will be monitoring my credit reports closely to ensure that the debt collection activities cease, as required by law. 

Sincerely, XXXX XXXX Enclosure : Credit Report Notice CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Office of the Attorney General of Texas XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: PA
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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX XXXX, XXXX XXXX and the XXXX market, I need these to be removed

Company response to consumer: Closed with explanation