BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
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:
On XX/XX/2020 at XXXX XXXX  I sent certified mail written communication to EQUIFAX dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Equifax used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from Equifax on XX/XX/2020 dated XX/XX/2020. Out of 20 requests for verification of accounts. Only 1 item was deleted. I requested for Equifax to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Equifax dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. The statutory 30-day has passed and I have not received communication from EQUIFAX. FCRA requires EQUIFAX to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EQUIFAX received and used to verify the information being reported and maintained in my file. Equifax must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: ResidentCollect, 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 is not mine

Complaint:
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: CO
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:
The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ad Astra Recovery Serv refused to remove a fradulent account from credit report after proof of identity theft was given and they could not supply any personal loan identification Social security number taken through data breach was all and a fake contract without signatures or identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: CO
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:
The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments 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 2015-08-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
IC SYSTEMS IS STATING ON MY XXXX CREDIT REPORT THAT I OWE XXXX ON ACCOUNT THATS NOT MINE.PLEASE HAVE IC SYSTEMS PROVIDE VALIDATION OF THIS DBT THAT I OWE OR REMOVE IT FROM MY CREDIT REPORT

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 2021-06-18
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:
There are three accounts and 2 inquiries on my credit report that do not belong to me I need these removed from my credit report asap Experian is doing nothing about this and the furnishers dont care who opens up what under whos name as long as they get paid I am sick of dealing with this I need this removed asap!!!! 

XXXX XXXX XXXX  - Acct XXXX Amount {$170.00} opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amount {$14000.00} opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amount {$600.00} Opened XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  - Inquiry Date XX/XX/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 2021-06-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Suntrust Bank has violated the Truth and Lending Act 15 U.S. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my XXXX  consumer report which is hurting my chances to get approve for credit. I have not received any letters from Suntrust Bank regarding late payments nor repossessing. This is reported in error.

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 2021-12-17
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : Spring Leaf Fin XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Called company but no one 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 explanation
Consumer complaint received 2016-02-11
Company: Siwell Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. 

At the end of XXXX I spoke with XXXX at ext. XXXX who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( XXXX/XXXX/XXXX ) reflected an escrow negative over {$900.00}. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in XXXX XXXX we received an escrow refund check. 

When we recently received our XXXX statement for XXXX it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised XXXX statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received XXXX substitute XXXX statements. The first showed MIP {$2500.00} and XXXX XXXX escrow balance of & XXXX. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised XXXX showing MIP {$7300.00} and XXXX XXXX escrow balance of {$71.00}. I emailed back concerned with the fact that now, in XXXX XXXX, they have changed my 2015 year end escrow balance and now I am missing {$4700.00}. 

I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.

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 2021-06-18
Company: D&A Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
D & A services is trying to collect a debt I have no knowledge of. They have violated section 809 15 U.S.C. 1692g- Validation of Debts. They have yet to validate this debt. I have not received any contact between them and I that I owe them this debt. I have not also received any signed contract bearing my signature. They have not sent me any document showing they have a legal right to collect this debt or collect in my state. I have ask them to cease and desist all communication. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Consumer Financial Services
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: Account information incorrect

Complaint:
This complaint regards Consumer Financial Services, the lender of my auto loan XXXX hereinafter " CFS '' ), and XXXX, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from XXXX, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with XXXX  regarding my auto loan through CFS, one dispute was without supporting documentation and the second was with supporting documentation. Both times, XXXX  denied the disputes, citing that CFS certified to them that the information currently reported was correct. XXXX, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by CFS. It should be noted that the correct balance and payment history for my auto loan through CFS is reflected on my TransUnion credit report and no dispute is required for TransUnion. I have not been able to check what Equifax shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with XXXX  blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to CFS on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for CFS shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by XXXX  for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2017-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation