BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Westlake Services, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A Charge off by Definition pursuant to Publication 4681 on the IRS is ordinary income ( 1099C ), this means that this is an inaccurate account that is furnishing on my credit report. This inaccurate report should have been deleted off my credit report, the charge-off is canceled debt, the company WESTLAKE FINANCIAL SVCS filed this charge off on their taxes, but they are also reporting it on my credit as debt. If a charge off is furnishing on my credit report as debt. 
The said company that declared this charge-off was required to send the consumer a 1099C form so that the consumer could file that ordinary income. 
Failure to send this form is a violation of 15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If a charge off is reported on my credit report and its {$600.00} or more I was supposed to receive a 1099C form Cancellation of Debt ''. I ask for the removal of the charge-off from reporting on my credit report. After clearing my credit report i will ask that you no longer report this charge-off on my report Cease And Desist Pursuant to 20 U.S. Code 1234e

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 2022-01-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant XXXX XXXX XXXX, to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2020-02-12
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
in XX/XX/XXXXI bought a used XX/XX/XXXXcar and was financed through Consumer Portfolio Services. I was never told it was a simple interest loan. The interest rate is 20.45 %. The car was sold at XXXX. To date, I have paid {$16000.00} on the car and CPS has applied it all towards the INTEREST. The principle has only had XXXX applied to it. I have paid XXXX in 5 years in fees. 

I was not told that I had to " mail payments in by check '' if I wanted it applied to the principle until I finally asked what was going on in XX/XX/XXXX. 

I am having financial difficulties and they repossessed the car on XX/XX/XXXX. I have asked them multiple times what I needed to get a lower interest rate or what I needed to do get out of this loan with no answers. 

About 3 months ago I had to tell them to stop harassing me at work and in the evenings with constant calling. 

These are deceptive lending practices. I need help. If i keep this car I will have paid almost XXXX for a XXXX car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: AL
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:
After numerous attempts to have the credit reporting agency Equifax, remove erroneous and derogatory information to be removed from my credit report has been to no avail. During the previous year in XXXX of 2017, I disputed many erroneous errors in my report. There is a public record that has been settled by the courts and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc. 

The loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization. 

Following a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts. 

XXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization. 

This is inaccurate, it was obtained without my knowledge, authorization, permission or signature. 

According to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature. 

XXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner. 

Since the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others. 

I want to be removed from this account, and remove it from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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 sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2019-12-30
Company: Bread Financial Holdings, Inc.
State: SC
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:
Good day Sir/Madam, I am writing to file a complaint of fraudulent promotion of its rewards card which is the Good Sam Credit Card of Comenity Capital Bank promoted by XXXX XXXX XXXX XXXX 

I could not remember the exact date, but it happened either in XXXX or XX/XX/2018.  Heres why this is fraudulent. I went to XXXX XXXX XXXX XXXX to buy a fishing hook. As I was paying for it, the cashier told me that he could give me the fishing hook for free by applying and getting approved for a Good Sam Rewards. I got interested and asked him, Is the Rewards like a XXXX XXXX or XXXX in which you earn points? He answered, Yes. I asked him again, Do I have to pay to join for this rewards? He answered, No, but every time you use it here you have a discount and you earn points. So, I told him that I am interested to join so I could get the fish hook for free and in my mind knowing that the my credit score is really good. Then, he told that I did not qualify for the Good Sam rewards and asked me to pay for the fishing hook. Unexpectedly, he gave me an adapter charger for trying the Good Sams Rewards. I was mad and sad when I left for not getting it for free! After a few days when I checked my mails, I saw the Good Sam Rewards card. I was so upset and told myself that this is a fraudulent promotion! I was not approved as told by the cashier and now here it is in my mail box and its a credit card! He did not even told me that it is a credit card. I immediately threw it to the trash bin. 

Today, XX/XX/XXXX, I logged in my XXXX account and it shows I have 6 open accounts. I counted my credit cards in my wallet and its only five. I review my XXXX  open accounts and the Good Sam Reward Credit Card is open which I did not activate and was never approved for. 

I am seeking help to CFPB to close the Good Sam Reward Credit Card of Comenity Capital Bank under my name which I was not approved for and I did not activate this card. Moreover, any inquiry under my name done by Good Sam Reward Credit Card of Comenity Capital Bank be removed to all the three credit bureau so my credit score is not affected. 

I hope that this fraudulent promotion be stopped so other people wont be deceived. 

Thank you and happy holidays!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NC
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 XXXX party. They in fact did not come from a XXXX 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2021-04-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: GA
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'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX and shellpoint service and now XXXX are trying to charge XXXX me by increasing my monthly payment made up late fees and every way they can have to get my home their XXXX   goes to far as make allegations like I made a bankruptcy I did not but they claimed it all to make me pay for their extra fees and keep paying more but not proved on XXXX when they force me to signed their papers thought the court after paying my 3 payments in their called loan modification I notice that contract was not in my favor and by law their contract was supposed to be between the 2 parts agreed in their contract and they added so many made up charges so they increase it for more than the house was value their called help to keep your home was not good at all but they their loan modification was a fraud but I did not have more money and the lawyer I Got to help me did not helped me at all he side with them and told me that I got no options but go with it and after a year pay them they will be helped me more and I did not have to pay for any extra payment in the money they put extra more than XXXX they claimed my scrow my late fee lawyers fees and some many other extras made up expenses they claimed I owed them that money I was to pay it with 10 years and the original loan was not into it now XXXX XXXX XXXX fraudulent thinking of how to XXXX more money and keep the house they started to tell a XXXX about bankruptcy that my wife XXXX in XXXX and she was not even in the loan proved no other paper where into her name before XXXX but claimed she was even that she was I got my fraudulent Government helped on XXXX they sold my mortgage to who knows because 4 mounts ago shellpoint send me paper saying I owed them more than {$5000.00} dollars they don't know from where with out any proved but same papers that XXXX XXXX XXXX lawyers were harassing me dated from before XXXX they claimed I owed but not prove after few complaints to this shellpoint fraudalent company they send a paper saying that the new owner of my mortgage was XXXX another fraudulent bank all they got is XXXX not proveen that I owed any money because if they claimed it is for the scrow they adjust the scrow every time my insurance or taxes when up since XXXX when i was to start over my mortgage loan shellpoint costumer services told me Few mouth I owed them but when O send the proved they keep saying it is another mount but don't even know where or when they told me last time I talk to them every thing was fine but next statement come with late fees and extra charges now. XXXX ir XXXX XXXX XXXX or this company shellpoint want to charge late fee interest and all the charges they made up tha is called fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi TD BANK N.A. # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 & XX/XX/2022. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I FOUND A MEDICAL BILL ON MY CREDIT REPORT OF WHICH I NEVER RECEIVED ANY COMMUNCATION FROM NATIONAL RECOVERY AGENCY AND WHEN I TRIED TO CALL ON SEVERAL OCCASIONS NO ONE PICK UP THE PHONE I WAS ON HOLD AND NO ONE ANSWERED THE CALL THE FOLLOWING IS THE DATES AND TIMES AND HOLD TIME XX/XX/XXXX19 OVER AN HOUR TRIED BOTH LOCATIONS XXXX AND XXXX FROM XXXX-XXXX XX/XX/XXXX19-WAS ON HOLD FOR OVER 30MINS AND I  CALLED BOTH LOCATIONS AGAIN FROM XXXXXXXX-XXXXXXXX

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 2019-12-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Incident Description THESE COMPANIES ARE VIOLATING MY NATURAL AND RELIGIOUS RIGHTS BY THE USING OF MY PRIVATE AND PERSONAL IDENTIFYING INFORMATION FOR THEIR USE IN COMMERCE WITHOUT MY CONSENT NOR ARE THEY ABLE TO PRODUCE A CONTRACT TO THE CONTRARY. 

ACTING CEO, CFO XXXX XXXX XXXX XXXX {$7300.00} ACTING CEO, CFO XXXX XXXX {$1200.00} ACTING CEO, MIDLAND CREDIT MANAGEMENT {$1200.00} ACTING CEO XXXX XXXX XXXX {$140000.00} ACTING CEO XXXX XXXX, XXXX.Address : XXXX XXXX XXXX, XXXX XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX , XXXX. Address : XXXX XXXX XXXX XXXX, OH XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX {$5000.00} ACTING CEO XXXXAddress : XXXX XXXX   XXXX XXXX XXXX, TX XXXX {$5000.00} ACTING CEO XXXX  XXXX. {$5000.00} ACTING CEO XXXX  XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX. {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of Toyota the whole time and there should have never been a past due amount on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: FIRST NATIONAL BANK OF OMAHA
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:
I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.

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