BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: ERC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made 3 attempts to receive documentation pertaining to the investigation that XXXX   conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I noticed two negative credit marking on my XXXX  Consumer Credit Report from Kia Motor Finance. I spoke with an agent after multiple transfers and hold times for almost an hour in reference to my dispute. I was advised by the dispute department to submit a credit reporting dispute due to the late markings being charged from an Insufficient fund fee which was taking out and applied to the fee and not as a payment transaction. Kia 's online system allows you to view the payment transactions, but not the breakdown of how payments are applied. I requested a pay history which shows when the monthly payments posted to the file. No payment was missed. 

I was never called to advised any fees had not been paid and was unaware of any issues, even though I am the primary customer on the file and my XXXX XXXX XXXX is co-maker. 

I reviewed my credit this morning XX/XX/XXXX which decreased my XXXX score more then 30 points now that there is a 60 days delinquency now showing from Kia Motors. No payments have ever been over 30 days delinquent and it is unfair that my efforts of being a good standing consumer is now in jeopardy due to this matter I called Kia Customer service at XXXX XX/XX/XXXX to ask to speak with the dispute department regarding credit reporting and I was refused to be transferred due to payment which was due on XX/XX/XXXX has not been posted to the account. Even though it is and arrangement on the file for payment of XXXX for XX/XX/XXXX. I asked to speak with a supervisor and was placed on hold for more then 25 minutes before a team lead XXXX ( employee # XXXX from XXXX XXXX location ) took the call. I again requested a contact number or department that could asset with my dispute/complaint and he as well stated their is no number to contact that department. He advised that I should mail my complaint to Kia Motor Finance at XXXX XXXX XXXX XXXX XXXX CA XXXX. I asked how would I be able to follow up once I submitted the letter. He advised to include my name and call back number but still gave no instructions for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Experian Information Solutions 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:
On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, Experian and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to Experian XXXX XXXX and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.

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 2020-12-14
Company: Resolve Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.

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 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have written 3 Notices to validate the debt to no avail. This company has erroneously added negative data to my credit reports w/o my consent or knowledge ... 
I HAVE ATTACHED A COPY OF THE REQUEST FOR VALIDATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Exeter Finance Corp.
State: MI
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:
A company representative from this company informed my that since they received in excess of XXXX by XXXX on my account that I need not send a payment in. I expressed by concern that I had a perfect payment history with them and could not afford to have a derogatory mark posted to my credit report since I am in the midst of having a home built. I was assured that this would not be the case. When they posted the derogatory mark to my credit report, and I called back in to complain, the representative was upset that I was given this information and said this matter could be resolved by someone who has the authority to fix my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have checking account with XXXX XXXX XXXX, in XX/XX/XXXX & XX/XX/2017 there were few ACH debit transactions which I disputed because I did not authorize those transactions. Those banks which did debit I dont have account with them & when I contacted them they told me that they dont see any account under my name, so they recommended me that I need to file dispute with my XXXX XXXX XXXX which I did.

Capital One refunded money on my account but its been more than 3 months they put a hold my account & I cant access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax failed to complete a reasonable re-investigation of my dispute before the end of the 30-day period beginning on XX/XX/XXXX, the date my dispute was filed with Equifax.

Equifax failed to comply with 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5-business-day period beginning XX/XX/XXXX, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX, the furnisher of the disputed information. As a consequence of Equifax 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until Equifax reports my dispute to XXXX XXXX XXXX XXXX. Equifax failed to delete the inaccurate, unverified, and disputed information from the credit file before the end of the 30-day period beginning on XX/XX/XXXX, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's failure to delete the disputed information from the credit file is in willful and negligent noncompliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's re-investigation of my dispute was unreasonable. Equifax persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX   account. Additionally, Equifax, in willful noncompliance with 15 U.S. Code 1681i ( b ), is reporting an alleged Statement of Dispute for the XXXX XXXX XXXX XXXX account attributed to me. I did not file such Statement of Dispute with Equifax and did not authorize anyone to file such Statement of Dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: MN
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:
Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out two personal loans from XXXX XXXX to help my small business in XX/XX/XXXX. We were paying on time every payment, but my company had a big down turn in last 90 days that we are unable to recover from. We are currently meeting with bankruptcy lawyers and they have advised us to ask the company to stop calling us. They have been calling 4-10 times per day. I requested that they stop calling on XX/XX/XXXX on multiple occasions and they still call, text and email many times per day. We are trying to figure out our options and told them that when they called. They still continue to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: GMA Investments, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX/XXXX/XXXX, regarding a debt for a " Total Rewards XXXX '', XXXX XXXX employee " XXXX '' contacted a third party and disclosed multiple pieces of my private information. They contacted my father, who in turn contacted me. They told him my birthday, social security number, address, and claimed to him that I owed {$460.00}. This is an absolute violation of the law and I am disgusted that they would bother my family members, and angry that they have given my information to a third party. It is either they gave my private information to a third party unknowingly, or they purposely contacted my family members about a supposed debt.The FDCPA absolutely prohibits such behavior. 

They contacted my father at telephone number : XXXX. He is XXXX XXXX XXXX and lives 3000 miles away from me. He is not a co-signer on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I believe there is incorrect information on my credit report, and I have been attempting to gain online access to obtain my credit report. I can not access the online portal because they have incorrect information, and I have to file a dispute online to correct the information but since I can't access the online portal I have to access to my credit report or the dispute process. I have contacted the company a few times, but they won't fix the issues because I can't verify my identity since my credit report is incorrect. I am basically being told I can't access my credit file because I can not verify who I am because I can't verify incorrect information. I have tried contacting Equifax directly and the customer service is extremely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DiTech Mortgage ( formerly Greentree ) held my mortgage on a house I owned in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX. Two issues that have STILL NOT been fixed by them despite repeated promises to do so : They still owe me over {$7200.00} in escrow overpayment/refund. I have called them two or three times every month since XX/XX/XXXX and STILL do not have the money. I have lost interest on that money, have been unable to pay my daughter 's tuition bill with some of it and, quite simply, it is MY money. 
They falsely reported to the credit bureau companies that I missed or was late on payments 9 times when they held my mortgage. It has been proven to them repeatedly that they are wrong. I never missed a payment, was always on time and usually EARLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was included in the lawsuit with green tree mortgage loans and ever time i try to deposit the check it comes back to me. Aka bouncing. 
I believe that i am I tilted to this money that is owed to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: TX
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 have disputed several fraudulent accounts, names and addresses associated with my Equifax credit report the last year and Equifax has failed to remove them. 

I have sent certified mail, faxed as well as called and spoke with a live representative over the phone to no avail. 

3 addresses still show on my credit report that does not belong to me. 4 fraudulent accounts still remain even after sending police report, IC3 report, and FTC Fraud report. 

I am unable to review my report online or dispute items using the online route due to the verification questions asking questions unrelated to my real identity due to the fraudulent accounts and addresses. Due to this, I have to mail in my disputes which takes longer than normal. I have faxed in my ID card and SSN more than a few occasions yet Equifax are continuing to display a mispelled name on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found wrong negative information from Discover on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I was behind I paid high late fees $ XXXX $ XXXX.supposed got loan caught up. Because of hurricane Florence in XX/XX/XXXX. Auto payment 's $ XXXX.interest rate 28 %, they said it's daily rate. But it supposed been annually rate. XX/XX/XXXX we paid $ XXXX.by due date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, paid $ XXXX.but they keep calling saying never got payment. Like always they sit on check, pertent it got lost. They due this few times to me. So I cancelled out check, then send USPS over nite, then they run other check. Trying to collect twice, and send other cheek through. XXXX XXXX XXXX XXXX XXXX, is not worth $ XXXX $ XXXX.after buying it, XX/XX/XXXX, from XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX, Utah . 5yr loan it's been XXXX making payments to American Credit Acceptance, never get credit for paying more on loan. I made way to many complaints to FTC, CFPB, XXXX, but as i sent information to the President last year these companies are not protecting the consumer like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation