BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
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:
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: VA
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:
After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the Equifax data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Equifax and as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting XXXX percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Equifax with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX  the, account information is inaccurate and not reporting XXXX percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it XXXX correct. 
another collection item is listed on my credit report as Medical, that doesn't belong to me, I have never did business with said company and of my knowledge medical collections are a violation and can not report on a consumers or credit report this account is clearly stating boldly that it is a medical item and that it is a collection item ; also there are 3 other items on my credit report one with XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My name is   XXXX   XXXX   of  XXXX , NJ. I purchased a  XXXX   Hyundai Sonata fr om   XXXX   XXXX   Hyundai DBA  XXXX  Hyundai @  XXXX    XXXX   XXXX    XXXX   XXXX , NY  XXXX . The car 's list price was {$29000.00} and a  Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that  on   XX/XX/XXXX  the  car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a  XX/XX/XXXX  letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on  XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by  XXXX   XXXX   ,   XXXX  (  Collection Agency  ). Please help as this is ruining my credit, placing me under  XXXX . I am a single mother o f a  XXXX -year-old chil d who was born with  XXXX  and has had  XXXX   XXXX , which is causing financial and  XXXX  hardships. Please see attached file of documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
I am a XXXX XXXX veteran with a XXXX XXXX XXXXXXXX rating. XXXX XXXX XXXX has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called my number and left a voicemail ( that I kept ) that starts out, " Oh my XXXX XXXX. This is an important message from Reliant Capital Solutions a call from a debt collector. Please return this call at XXXX ext XXXX. 

They left no name of the individual. 

If someone would like to hear the message, I can always forward or someone can call me and listen to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
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:
On XX/XX/20 Equifax received a letter from me requesting documentation of the following items they are reporting on my credit : XXXX XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX  # XXXX At the same time, I also requesting thus documentation from the creditor. On XX/XX/20, I received an email stating the accounts were verified but no documentation was sent. 

XX/XX/20 I placed a call to Equifax in an attempt to still locate the documentation. The agent informed me that they have also requested documentation but have not received it however, they will still report this on my credit. I asked to be transferred to a supervisor, and I was transferred to " XXXX  '' agent # XXXX. Supervisor XXXX  was very rude and rushed me off the phone hanging up in my face, unconcerned. I placed another call to which I was connected to agent XXXX XXXX. I asked XXXX to transfer me to a US agent and he said he couldn't because of the system and also hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. XXXX. Account Name : USDOEXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: IL
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:
What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
Experian was sent documentation concerning a number of fraudulent accounts, credit inquiries and former addresses. This documentation was also sent to a number of creditors. Somehow, the current address was removed from the report. Experian requested additional proof of identity and the same was provided in the form of a drivers license, social security card, and a utility bill. To date, Experian has failed to add back the current address. In fact, the report- under identification number XXXX- has not a single address in which to identify me or deliver a 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 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.

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 2017-01-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They were several inquiries showing only on my Experian Credit Report that were previously deleted due to them not being authorized and after the system went down and came back up I 'm now seeing them reporting again and I did n't receive the 5 day notice of this. The inquiries are : XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/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 2015-12-17
Company: First Data Corporation
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital One Bank close my money market account on XXXX/XXXX/XXXX, I advised them that I was dealing with fraud back in XXXX XXXX. I was advised not to open any more accounts until the fraud matter was resolved. No one sent me anything showing how many times I withdrew my account. I paid bills out of this account because I do not have a choice, I wish they would give me two weeks to make arrangments because my school tuition of {$110.00} was sent back and now the school will charge me a later fee of {$25.00} because it was due by the XXXX to avoid the fee. I had this account for over 10 years and now the account is closed. I do not have access to my money now because the account is closed and I have to wait on my check. The amount was {$180.00} minus the {$110.00} would have left me {$78.00} now I am being a {$25.00} fee because the account is closed, that fee should be waived because Capitol One chose to close my account. I opened a Capitol One 360 but I am unable to put any money in it right now, I was told it was due to Regulation D but it I also talked with an attorney and he advised that Capitol One could have given me more time before closing the account. Now my direct deposit is delayed and other bills will be late getting paid. I want my account reopened due to the way Capitol One conducted business with me. Capitol One should have did a better job of explaining it, I opened this account over 10 years ago and did not have issues until XXXX, the statement only times you what you withdrew but they do not say that you went over or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
sent letter regarding a bankruptcy that is on my credit report, after investigation they stated that it was verified as true. i contracted the bankruptcy court and the said that they do n't report to credit agencies and will not verify

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