BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX EQUIFAX/ AND XXXX XXXX BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time. 
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received phone call from Southwest Credit on XX/XX/XXXX stating that I owed {$140.00} from XXXX. However, this charge is incorrect. When I asked for an itemization Southwest Credit promised to mail it to me on the same day XX/XX/XXXX. 

As of the writing of this complaint to CFBP on XX/XX/XXXX, Southwest Credit has not ever provided me with a bill validation after several urgent follow up calls since XX/XX/XXXX and is threatening to forward this debt to the three credit bureaus XXXX, XXXX and XXXX. 

Southwest Credit had an obligation to forward me a bill validation within 5 days of contacting me for the debt. It is now over 30 days and Southwest Credit has not acted in good faith and is attempting to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2021-04-15
Company: Ocwen Financial Corporation
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: Problem with personal statement of dispute

Complaint:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. PHH mortgage I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted PHH and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: ID Analytics, Inc.
State: OH
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:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cardinal Financial Company NMLS ID # XXXX performed a hard credit enquiry without my consent. I phoned Cardinal. A representative said since you do not have an account with us there is nothing we can do. 
I did stupidly click on an add from Cardinal to try to see a rate and added my phone number. I received many, many calls from cardinal financial, none of which I answered. I did not ever give my consent to a hard inquiry or applied for a mortgage loan. When checking my credit through XXXX XXXX it read A mortgage Lender Checked your credit. You have until XX/XX/XXXX to get more offers without affecting your credit again. 
Underneath this statement it said Cardinal Financial Company. Again, I never applied for a loan or authorized a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello this is my third Identity theft report that I am sending in about the student loans. They do not belong to me. I have not received letters back or emails stating that the debt is mine, so it is fraudulent debt. Section 611 15 U.S.C 1681i ( 5 ) ( B ) ( i ) states that I have the right of consumer protection. A notice of completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information and the telephone number of such furnisher, if reason available.

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 2019-11-03
Company: Experian Information Solutions Inc.
State: OH
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:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-08-02
Company: Renew Financial Holdings Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Using the XXXX XXXX, a loan was obtained to perform upgrades to my home and property. Now two years later im selling the home and there are apparently 2 loans out for the same upgrades through 2 companies. XXXX  XXXX which used ReNew Financial for the loan. Renew Financial has been named in a Class Action Lawsuit for the very issue I am having. The second loan was obtained through XXXX XXXX XXXX. Both loans state they are for the same improvements. Yes Electric and Construction, The company that performed the work, has vanished and can not be contacted. Ive tried numerous numbers to get in contact and straighten the matter out, but all numbers are out of service. I would like to know what my options are for proceeding and getting one of the loans off the property. The work was done, no doubt. However, it is not {$70000.00} worth or work. I will happily pay off one of the loans, but the duplicate, I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
________________________________________ EXPERIAN/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 XXXX  _________________________________ XXXX. XXXX XXXX XXXX  IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BMW Financial Services NA, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alphera Financial Services is the original creditor. They have me owed for XXXX that is not my debt. The date of activity is different across the bureaus. I have reached out to all 3 major credit bureaus ( XXXX, XXXX, XXXX ) and disputed this account. XXXX removed the account but XXXX and XXXX are still reporting this inaccurate information. Can you please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.

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 2022-07-19
Company: LJ Ross Associates
State: IL
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:
XXXXL J ROSS ASSOCIATES, INC Once again there is no cease and desist in place You bought the debt for cents on the dollar and are trying to make me pay for something already paid for, written off, or not even validated as mine The burden of proof is legally on you I owe you no information and refuse to give such to an unknown company You legally can not collect this as stated before. You legally can not have this on my report UNTIL it is agreed to be mine as stated before If you disagree send me a summons or remove it because I have all LAWFUL PROOF to back my claim. You never even tried to communicate with me not 1 voice-mail or anything EVER I have AMAZING credit so I know this is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: NRA Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
National Recovery continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can't get XXXX Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of XXXX is N/A.

XXXX is XXXX and just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Law Office of Brett M. Borland, P.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX  # XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency 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 explanation
Consumer complaint received 2020-10-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
T

his company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act
1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud
where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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 XXXX XXXX XXXX XXXX # XXXX, XXXX of XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  -XXXX  XXXX XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX, XXXX ( Finance ) - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/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 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 2019-11-03
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent continually calls me about a XXXX debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.

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