BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: ID Analytics, Inc.
State: LA
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:
On XX/XX/20 my husband applied with my son, for a car loan with a car dealership. We obtained financing, but were later notified that we had been refused because of problems with XXXX  and sagestreamllc. I have resolved the issue with XXXX, but have been unable to even obtain a credit report from XXXX. I have received two letters, and responded, requesting verification of personal information. I have been refused access to the credit report 4 times ... all because they can not verify his identity. I did send them the documents they requested. I finally called yesterday and was told that they did receive the information i sent them but either due to employee error or blurry fax they could not verify his identity. Their customer service representative told me to request a copy of the credit report online. I attempted to do that today, again having to upload a piece of personal identification. It is still telling me they are unable to verify my husband 's identity. I called and they said my husband would have to call and they would verify personal information with him. I am, at this point, highly suspicious of this company and their practices and regretting that i sent them anything. His score is XXXX with them and XXXX with everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Webcollex, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA. 
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2016-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law

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 2016-06-25
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.

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 2016-03-23
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.

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 monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

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 2022-07-27
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

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 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent Transunion XXXX notarized disputes regarding a bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these XXXX letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN WASHINGTON DC that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me.

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 2022-07-27
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX CT XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} 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 non-monetary relief
Consumer complaint received 2020-01-02
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: Information belongs to someone else

Complaint:
I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX- opened- XX/XX/XXXX amount {$3900.00}

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 2022-07-27
Company: General Motors Financial Company, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX GM FINANCIAL XXXXXXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: RSH & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance claim filed back in XXXX, due to XXXX surgery, that my insurance company was responsible for and has since paid, some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was a XXXX bill that was paid when I transferred service to my current phone provider. I advised Midland Funding to verify this but got no response. I also have been harrassed about this debt outside of FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief