BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX After recently obtaining a copy of my credit report I became aware that you are reporting a debt to my credit report. Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below : XXXX XXXX XXXX Please provide the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. I never gave permission to your ( XXXX  XXXX XXXX ) to release my medical information to ( XXXX ). 
Please send the above-requested information to my mailing address listed above.

This letter is a request for debt validation and I request full documentation containing all information you received from the service provider of this alleged debt.

Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed my student loan account with Experian twice and twice they have lied about investigating my complaint and have refused to uddate the account to refelect a XXXX balance and closed despite me providing them proof. I feel that they are purposely refusing to update to harm me and incorrectly report the amount of debt I owe

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 2023-02-28
Company: Experian Information Solutions 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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A debt collector called XXXX XXXX XXXX XXXX XXXX sent an account to the CRAs. I disputed with all XXXX as I do not owe this debt. I requested this debt be verified and they failed to properly do so then sent it to the CRAs. The debt collector has also broken the FDCPA a dozen times in XXXX emails. The amount they are reporting has fees added on not in the " original agreement ''. They're also charging illegal interest. The " original agreement '' was a fraudulent agreement and the original creditor engaged in fraud, wire fraud, breach of contract, deceptive business practices, etc. This should not be on my credit reports, however Equifax refused to do a real investigation instead allowing to companies collaborating an engaging in fraud to issue whatever statement they like and taking their word for it. Equifax gave me less room then a tweet to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ACIMA CREDIT, LLC
State: PA
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:
ACIMA DIGITAL is not under any LAW required to report any of my private consumer transactional information. ACIMA DIGITAL HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed ACIMA DIGITAL on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that ACIMA DIGITAL CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/ ACIMA DIGITAL has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. ACIMA DIGITAL appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. ACIMA DIGITAL is in willful noncompliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Date XXXX Comenity bank sent me a letter stating I applied for an XXXX XXXX account I never applied for such an account I called comenity bank who did no help me locate the letter they sent me I need help so no further accounts are attempted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: CDI Affiliated Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX I had XXXX XXXXXXXX under my name at an address. I ended up falling on hard times and needed to move back in with family. The bill went to collections. The Original Balance was {$1700.00}. CDI is providing inaccurate information that the bill is {$2300.00}. This IS inaccurate. On XX/XX/ I contacted XXXX XXXXXXXX to discuss getting new service in my name which the agent told me i had the balance of {$1700.00} Past due and i paid that IN full to clear it up. CDI is not the original contract holder, I do not owe them, I have paid the FULL balance with XXXX XXXXXXXX and this is closed and should not be reporting with any balance as its now {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account off my credit report. 

XXXX is still reporting monthly status and its been closed for XXXX  years!

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 2023-04-11
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide Credit Corporation may appear legitimate, but there are fraudulent criminal activities within that company. Their fraudulent activities have implicated the XXXX Virginia police department Parking Citation Division, The Virginia DMV, and maybe the credit reporting agencies. 
I will tell about two occasions when Nationwide Credit Corporation wrote me letters about parking tickets in XXXX Virginia, a city I last visited in XX/XX/XXXX. And my only parking was done at the XXXX XXXX parking lot. 
The content of the first letter. The letter stated I had a parking violation in the city of XXXX Virginia where my parking permit could not be seen. They sent me a picture of a vehicle I don't own with my license plate letters and number, but the state name was blurred out. 
I wrote Nationwide Credit Corporation a letter explaining to them I was not in XXXX Virginia and sent them a copy of my Virginia Car registration. I never heard any more about that situation. 
The second time Nationwide Credit Corporation wrote me a letter was in XX/XX/XXXX. On XX/XX/XXXX, I went to Virginia DMV in my hometown to have my license plate replaced because of damage. I was issued new license plates that day. 
I receive a letter from Nationwide Credit Corporation a few weeks later informing me that I have a parking violation in XXXX Virginia on XX/XX/XXXX, just three days after the new license plates were issued to me. 
Nationwide Credit Corporation contacted the Virginia DMV, telling them I owe a fine for a parking violation in XXXX Virginia, a city neither my car nor license plate have ever visited. The Virginia DMV wrote me a letter saying DMV will not renew my license plates which expire on XX/XX/XXXX unless I pay Nationwide Credit Corporation for a parking citation that never occurred. 
In my situation, Nationwide Credit Corporation has a contract to collect unpaid parking citations for the XXXX Virginia police department Parking Citation Division. They are using that contract to create and collect funds for fraudulent citations. When I refuse to pay for a parking citation in a city my car has never visited, Nationwide Credit Corporation contacts the Virginia Department of Motor Vehicles telling them I owe for a parking citation and my license plates will not be renewed until I pay Nationwide Credit Corporation.

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 2023-01-20
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXXXXXX XXXX XXXXXXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX Date of request XX/XX/2021.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These accounts have been deleted from experian but is somehow still being reported by you im aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete then the credit reporting agency shall delete and notify the data furnisher and creditor. If XXXX notified you that these items or inaccurate or incomplete how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show me the information that was provided to you by the data furnisher that made you determine that this is an accurate account since those accounts were deleted by XXXX or if you cant provide information please delete those 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date OpenedXXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XX/XX/XXXX I have made the 120 payments to be eligible for XXXX. According to Mohela, I have to wait 90 business days for the certification form to be processed and another 90 business days after that for forgiveness to actually happen. 

Furthermore, one must be currently employed with the non-profit organization when forgiveness happens. These delays add almost another 6 months during which one can not seek alternative employment in the private sector, amounting to more than a 10 year commitment as the program advertises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX AND TRANS UNION HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.

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 2020-03-18
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2023-09-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-03-18
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from XXXX stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both XXXX  and Experian. This time I sent a follow suite letter attaching the deleted account from the XXXX record to both XXXX and experian.I received a response on XX/XX/2019 from both XXXX and Experian that the account was updated and verified. Again, no documentation on how this account was verified. Experian sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: AL
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX* HERITAGESCCU 9/10/2021 SYNCB/TJX DC 11/13/2021 SYNCB/TJX CO 11/13/2021

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