BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-28
Company: Westlake Services, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: GA
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:
Submitted a complaint ID XXXX and received a response from Equifax that the item is not reporting, which it is. Also they have failed to respond to previous disputes within the 30 days time allowed by law. See attached docs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Acct # 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.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2015-08-17
Company: Cedars Business Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cedar Financial claims that I, XXXX XXXX, owe them {$430.00} ( recently reduced from {$970.00} ) in alleged traffic violations that supposedly occurred in XX/XX/XXXX in XXXX, XXXX. 

I did not receive any notification of these infractions unlit Cedar Financial reached out to me in XX/XX/XXXX. More than XXXX years after the alleged infractions. 

My concern is that I had no opportunity for due processes in any XXXX legal system before being found guilty. I do not believe that Cedar Financial has any legal grounds to collect these alleged fines. 

Allowing private XXXX debt collection firms to collect debt on behalf of notably less than perfect foreign governments, without due possess that is guaranteed me under the 14th Amendment and that is also guaranteed all those traveling to the XXXX under the XXXX XXXX XXXX XXXX XXXX, Article XXXX, is setting a dangerous precedent. 

I was advised make you aware of this occurrence and will also be seeking advice from the XXXX office. 

Cedar Financial did provide some documentation and the name of a Compliance Manager, XXXX XXXX. Her telephone number is XXXX. 

I support this claim with the attached documents. 

Files # 's XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EOS Holdings, Inc.
State: NJ
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:
EOSCCA Dispute Department Account Number XXXX The above referenced account was cancelled in XX/XX/XXXX and the balance of {$250.00} was paid to XXXX using my checking account on XXXX. 
I called XXXX several times to let them know the balance was full paid and I have the proof of payment on my Checking account statement. XXXX assured me that they were going to look in to the transaction and rectify the error and report is accurately to the credit bureaus. Now XXXX is telling me as of XX/XX/XXXX the account was sold to EOSCCA and they can not rectify the error. XXXX provided me the number for EOS and told me to contact EOS and have EOS correct the error. 
I called EOSCCA disputed the transaction and even sent them a written dispute letter.

I have not received any response from EOSCCA..

I have attached the screenshot of my bank statement as a proof of payment. 

XXXX is a pathetic company, you can XXXX and read XXXXXXXX XXXX Review, thousands of customer complaining about XXXX Malpractice, Collecting extra money from customer. 
I need this resolved and my credit report updated. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was originated by XXXX Bank with a second mortgage down payment assistance bond through the XXXX. The first payment on my loan was due on XXXX/XXXX/16. I have made my payments from XXXX/XXXX/16 through XXXX/XXXX/16 to XXXX as that is the company I believed owned my loan. I am now receiving statements and late notices from a company named XXXX who state they now service and own my loan on behalf of the XXXX. 
I have spoken with both XXXX and XXXX in regards to my problem and they both state that they still own the loan and the servicing rights. Both companies are also reporting my home loan on my credit report. XXXX is reporting me as current and XXXX is reporting me as delinquent. 
I would like to file a complaint to help resolve the true issue of who owns my loan at this time and who I should be making my payments too. I would also like for my credit reporting to be corrected to assure that my mortgage only shows XXXX time and that it reflects that I am current on all of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit co reflecting XXXX is 60 days late ... .it was totaled and paid off by insurance and GAP insurance. XXXX claims they were short paid by GAP insurance, chasing me for money.

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 2022-04-11
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX Acct # 1XXXX 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.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I previously disputed items with XXXX, and all of them were deleted without issue. I signed up for a credit monitoring service called " XXXX XXXX '', and discovered items I have never seen before on my Equifax credit report. I attempted to submit an online dispute through Equifax on XXXX/XXXX/2016 for all the items I found. Equifax would not allow me to pull my online credit report and dispute the items, despite having received my reports that way before. I had to call and speak to a live person. I talked to XXXX ( XXXX, XXXX ), and went through every single item I wished to dispute. I spent 45 minutes on the phone disputing each item individually. There were a total of XXXX items ( XXXX medical, XXXX utility ). When I received the final report, they did not delete any of the items, and said they were all mine. The utility bill on my credit report did not belong to me, and XXXX deleted it when I disputed it with them. Yet, Equifax says it was mine, and refused to delete it. It was a XXXX utility bill, for which I had never signed up for services. I was not living in the state where services were contracted at the time, and the item could not have belonged to me. 

As for the medical bills, I began receiving automated calls from XXXX XXXX As I had no idea of the existence of the bills at the time, I assumed it was someone trying to scam me and did n't initially respond. After I contacted XXXX XXXX regarding the disputed items, I was told that they are medical bills from XX/XX/XXXX-XX/XX/XXXX. I never received bills for any of the items. I contacted the original creditor, XXXX XXXX, who confirmed that the bills were likely sent to my physical address. Where I live, mail sent to a physical address will be returned. I never received the bills, and now it is causing major damage to my financial health. XXXX XXXX is now haranguing me for full payment. However, these bills should not be in collections, as I never received them. I should not suffer, because someone at XXXX XXXX 's was not competent enough to mail the bills to my given mailing address. 

I called to dispute the items on XXXX/XXXX/2016. The report states the investigation was completed XXXX/XXXX/2016 and I did not receive the report until XXXX/XXXX/2016. I do not feel my credit disputes were thoroughly investigated, and Equifax clearly was not listening to me when I tried explaining the confusion that my mailing address was causing. I was very clear with the agent when I explained that either they were n't mine, and if they were mine, it was the first time I was learning of their existence, as I did not get the bills. It 's my belief that through the language barrier with the agent, she did not clearly understand my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In the past few days I received a notice as seen as attached shows my equity line of credit all of a sudden for NO reason is changing my account number. There is no reason for this change in this notice and I am Very concerned of the unmentioned reason. Whereas I hav e a Superior Court c omplaint against my primary mortgage and am struggling with the primary mortgage loan meaning my fight in court. I am grossly concerned as to of why and or if this account number change in just days, on this other loan with Chase Bank  may  Possibly have something to do with my court complaint. Can the CFPB look into this account number change if it is legal? or some hidden intent to affect my legal complaint against Chase Bank with my primary loan? or cause me some financially related problems ahead in any way shape or form? I have noticed on my primary loan whenever there is an update of any kind it many times causes me problems, or something turns out to be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account is not mines. i have filed paperwork with he AG of Florida and filed dispute with company. company did not contact me prior to adding this account to my report. 


XXXX Account number XXXX Recent balance {$3700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 

XXXX FL XXXX XXXX, FL XXXX XXXX Address identification number XXXX Original creditor XXXX - XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$3600.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual

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 2022-04-11
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 : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # 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.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im accordance with the fair credit act XXXX XXXX Transunion has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written 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 2016-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint with the reporting agencies stating that the stated Delinquent account reflecting as an FHA Mortgage Loan-XXXX XXXX XXXX is inaccurate. According to FCRA and Public Record Law the subscriber has to show proof on demand of the inaccurate information. The agencies have refused to provide the verification. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation