BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company Westlake Portfolio Management, states that I owe them for a vehicle that was purchased from US Auto Finance. The company US Auto Finance, LLC has gone out of business. In the contract with US Auto Finance , LLC it clearly states. " You agree to sign such agreements or documents as we may require to effect the terms and conditions of payment shown in this Agreement. You or we may rescind the retail installment sales transaction as provided in the Agreement if we are unable to assign the retail installment sales contract to a financial institution. Westlake Portfolio Management is a debt collector, they are not a financial institution. I do not have a contract with Westlake Portfolio Management. This company has been collecting payments from me, but they have not shown any documents showing that I have a contract with Westlake Portfolio, which is not a finance institution. They are a debt collector. This company has also reported on my credit report that I owe them money. I do not owe anything to Westlake Portfolio. US Auto Finance, LLC is the company who I finance my vehicle with. US Auto Finance, LLC is also on my credit report as being an open loan. Westlake Portfolio Management is not upholding the contract that U.S. Auto Finance, LLC had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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:
I have received XXXX unknown inquiries on my credit report that I did not solicit. First one was on XX/XX/XXXX from XXXX XXXX correspondence the next inquiry was today on XX/XX/XXXX from XXXX. I called Experian on XX/XX/XXXX and reported the incident. I also placed a fraud alert on my credit report. And I still have yet the second unknown inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CO
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:
In regard to credit monitoring services via XXXX, A data breach was initiated. This caused inaccuracies to appear on my report creating a financial hardship regarding any credit services. 

XX/XX/2023 I filed a claimed, in regard to the breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX ACCOUNT RESOLUTION SERVI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ACCOUNT RESOLUTION SERVI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX  account # XXXX XXXX Bank account # XXXX XXXX  account # XXXX XXXX account # XXXX FXXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX  15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.

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 2020-03-04
Company: United PanAm Financial Corp.
State: IN
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:
I have contacted XXXX  XXXX  XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and United Auto Credit Co ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXXXXXX XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously disputed a XXXX XXXX Bankruptcy dismissed with Transunion on XX/XX/2021 and XX/XX/2021 file # XXXX and in response Transunion 's response to my dispute they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. 

Based a phone call with Transunion, they stated that they use XXXX as a third party data furnisher. XXXX stated that they have removed the the bankruptcy. That document is attached. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately.

My Rights Under the Fair Credit Reporting Act state that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2021-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}

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 2018-08-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I didnt know there was an agency to make complaints in regards to this. I have been filling paperwork out for at least five years in regards to getting a discharge. I am XXXX XXXX, and I am unable to make any payments at all. I am on Social Security XXXX and can not make any payments at all. They tell me each time that they have not received them. At this point I dont know what to do. This is in regards to the Navient company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. Ally Financial was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact Ally financial who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to Ally. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or 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 2022-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
this is my XXXX time writing to CFPB, you contacted experian and they didnt fix the problem, I have XXXX incorrect negative information on my experian report. I submited more than XXXX disputes in the past to remove those XXXX negative items and still they didnt remove it and all the accounts have incorrect information, wrong address, wrong amount

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 2023-08-13
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 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 2023-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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:
Just because the contract was transferred does not mean the rights to enforce performance was transferred. This is an illegal debt and reporting it has caused me harm. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does

Company response to consumer: Closed with explanation