BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
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've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: CA
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:
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX TIAA bank combined with XXXX to service my lone # XXXX with TIAA bank was changed to loan # XXXX. I tried to log on and make a payment. And was unsuccessful, then when I call there automated system states my loan payment was now {$430.00} my previous payments was {$420.00}. I tried repeatedly to contact the number provided and keep getting hung up on before I can speak to anyone concerning the increase of {$16.00}. Now I am a day late and have never been late paying the payment. No email was provided and not able to reach a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX paid for service and ended service. They tried to charge me for equipment that I received statement of return acknowledgment. Ive proven this and removed it from credit reports once already and they are still ignoring the information provided. When I asked them to provide evidence, they said they cant go back in the system that far and therefore cant show me. Now a collection company called Credence Resource Management is harassing me saying XXXX XXXX XXXX sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB :  XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It has come to my attention that Bank of America Has fraudulently opened an account using my credit card. Bank of America never informed me that they were debt collectors.

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 2023-01-04
Company: EQUIFAX, INC.
State: OK
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:
It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Wrong, Inaccurate, Fraudulent accounts reporting on my account.

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 2022-08-08
Company: Experian Information Solutions 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:
I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my Experian, XXXX and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. XXXX XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.

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 2017-10-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MI
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX Account number 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 explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft

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 2022-10-20
Company: Experian Information Solutions Inc.
State: SC
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:
The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
This ( Hyundai Finance co. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from HYUNDAI and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by HYUNDAI finance co. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed a complaint with XXXX in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from XXXX or the Arizona school regarding the documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any children attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my 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 explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a Dependent Care FSA account through the XXXX XXXX Health Equity. I requested a payment from Health Equity of {$190.00}, which was paid from Health Equity to my Bank of America account on XX/XX/2021 through ACH. Bank of American never posted the {$190.00} to my checking account.

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 2023-10-13
Company: Experian Information Solutions Inc.
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: LA
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:
I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Items where deleted from my report, and return after being deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation