BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following accounts 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 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, 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 have filed an identity ftc report because I found inaccurate accts on my credit report and nobody is willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX and possibly XX/XX/XXXX ; I contacted Exeter Finance regarding my payment I made of {$660.00}. I was told by the Exeter Finance customer service representative that Exeter Finance had received my payment and it was good and I was not late on my XX/XX/XXXX payment. On XX/XX/XXXX, Exeter Finance sent me an email stating my payment did not clear. I immediately paid {$600.00} on XX/XX/XXXX via the Exeter Finance website and it cleared with my bank. I had the money in my account so I do not understand why the first payment did not clear my account. I checked my credit report and saw that it stated that I had a late payment on XX/XX/XXXX and my credit score decreased. When I contacted Exeter Finance, they told me I was late on XX/XX/XXXX and I explained to them that Exeter Finance told me on XX/XX/XXXX that my payment was not late. I continued to call Exeter Finance between the dates of XXXX XXXX XXXX speaking to them about removing the late payment for XX/XX/XXXX from my credit report. On XX/XX/XXXX ; Exeter Finance decided to give me an extension for XX/XX/XXXX and also said that because they gave me the extension on XX/XX/XXXX it was too late to remove the late payment for XX/XX/XXXX from my credit report. I have been making my payments on time for over a year despite the fact that I'm unemployed. Every time I spoke to an Exeter Finance customer representative, I explained to them that I am currently unemployed and I only get paid once at the end of the month ( payment on the XXXX of each month ). I have requested Exeter Finance to remove the late payment for XX/XX/XXXX from my credit report because I was told by Exeter Finance that my payment was not late. Exeter Finance waited until XX/XX/XXXX to inform me that my payment was late. If Exeter Finance told me on the XX/XX/XXXX phone call that my payment was late, I could have made the payment on XX/XX/XXXX and not been late. I continued to call Exeter Finance between XXXX XXXX XXXX to get the late payment removed from my credit report. On XX/XX/XXXX, Exeter Finance gave me an extension for XX/XX/XXXX and show it as current on my Exeter Finance account but it shows late payment on my credit report. Exeter Finance will not remove the late payment for XX/XX/XXXX from my credit report because Exeter Finance waited until XX/XX/XXXX to give me an extension for XX/XX/XXXX. Exeter Finance told me that because I received the extension on XX/XX/XXXX it was too late to remove the late payment from my credit report. I had called Exeter Finance between the dates of XXXX XXXX XXXX  to get them to remove the XX/XX/XXXX late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In reference to complaint XXXX against XXXX, this case should not be closed. XXXX correctly pointed to a misallocation of funds on XX/XX/XXXX, but failed to mention that the allocation was reallocated from my account on that same day. I have attached an additional screen print of the misallocation and reallocation of payment received in the amount of {$580.00}. The original document is attached in the to XXXX complaint. I have highlighting the aforementioned in this new attachment. 

In addition, on XX/XX/XXXX, there is a reallocation of funds for {$140.00} with no corresponding initial payment received. XXXX erroneously removed money from my account but never credited it back, as shown in the highlighted attachement. XXXX response does not correlate with their own accounting. Im implore you to reopen this case and have them provide a detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021, I received a email, and a message from PAYPAL stating my account will be in limitation ( froze ) for 180 days. XX/XX/XXXX was the set date, for my account to be restored. It is now XX/XX/XXXX, and PayPal has not restored my account. I have made attempts, in the past eight months to prove my identity. I have received a letter stating they are permanently limiting my account, meaning I will not be able to transfer, deposit, withdrawal or have any use of my account. I would appreciate any further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX   XXXX  XXXX {$850.00} XXXX  XXXX {$460.00} XXXX  XXXX   XXXX {$800.00} XXXX/XXXX XXXX {$400.00}

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 2022-07-18
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monterey Financial Services.- ( collection agency ) XX/XX/2021 before we went to Hawaii. This company XXXX  XXXX XXXX is a scam. They will hook you about the {$500.00} gift certificates that they will give if you attent the phone seminar then after that they ask you to be a member and ask you to pay {$1200.00}. They got the {$1200.00} on my checking account but the same day I told them to cancelled. Now Monterey financial is harassing me to pay {$4400.00} and said they will put that to my credit history.XXXX XXXX XXXX and Monterey Financial are business partners base in Hawaii. Check the XXXX  reviews .. a lot of people got scammed.Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: CarMax, 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:
FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NJ
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:
15 USC 1681A2 I did not give written permission to have those accounts furnished on my credit report. This account reported negatively on my consumer report is in fact violating my rights on both the federal and state level but, has tarnished my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The accounts that are reporting on my credit report are false and inaccurate accounts that are reporting. These accounts have been opened without my knowledge or consent. I have already tried to complain about these reports i was told an investigation would take place and i still havent seen any results.

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 2019-03-13
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: Account information incorrect

Complaint:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and Equifax directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EXPLAINED IN PERSON TO BANK MANAGER THAT MANAGER AT THE TIME OF THE TRANSACTION SAID THAT HE AND ASS'T MGR AGREED THAT IT WAS A FRAUDULENT/SCAM AND THAT THEY WOULD HAVE TO CLOSE ALL ACCOUNTS AN GRIND ALL CARDS - - DEBIT AND CREDIT - - AND THAT IS WHAT THE MANAGER DID. HE THEN MADE THE STATEMENT TO US THAT " THEY DIDN'T OWE US ANYTHING AND WE DID NOT OWE THE BANK ANYTHING. LATER WE RECEIVED STATEMENTS FOR THE {$990.00} AND WE HAVE BEEN DUNNED FOR THAT AND ALL THER OTHER CHARGES THEY ADDED EVER SINCE AND THEY HAVE DENIED THAT THE ORIGINAL MANAGERS STATEMENT WAS EVER MADE. THEIR STATEMENTS DO NOT INDICATE ANY PROOF THE WE WERE THE ONES THAT USED THE CREDIT CARD. WE HAVE OFFERED TO PAY THE ORIGIGAL PRINCIPLE AMOUNT BUT THEY REFUSE TO ACCEPT ANYTHING LESS THAN THE ENTIRE AMOUNT OF {$1400.00} WITCH INCLUDES THEIR CHARGES.

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 2023-08-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Repeated texts and calls from multiple different numbers claiming to be the Law Office of MBA demanding I pay {$210.00} to settle my debt of {$300.00}. They send the same phone number and link from this short-form phone number : XXXX. The phone number they send : XXXX and the link they send as well : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I mailed a debt validation letter to southwest credit systems using certified mail. The letter was asking them for proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, an agreement with the original creditor that grant them the authority to collect on the alleged debt, verification that this debt was assigned or sold to a collector, complete accounting of the alleged debt, and commission for the debt collector if collection efforts are successful. I notified them that they had 30 days to validate the debt or all references to the account must be deleted and completely removed from my credit file, and a copy of the deletion request should be sent to me immediately. I also asked that they not contact me about the debt. They received this letter no later than XXXX XXXX XXXX, which I have the certified mail return postage to verify. They have not sent me any proof or verifications of the debt and I wish for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to Freedom Mortgage Corporation by my current Mortgage company, XXXX XXXX XXXX for a streamlined FHA mortgage refinance and I submittted the application on XX/XX/2019 and I was advised that the loan would close within 30 days and that I would not have to pay my Mortgage for the Month of XX/XX/2019. 
After 30 days, Freedom Mortgage loan Agent will not take my calls or provide an update, I finally got referred to a supervisor who claimed that he will escalate the process and they re-issued another loan documents now stating that closed will now be for another 30 days. They have misled me not to pay my existing mortgage because the loan was closing and they have kept pushing and stringing me along with the approval process for the last 4 months and have now refused to process my application and I believe that the decision is discriminatory and meant to cause me to loose my home through a loan default.

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