BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This debt has been satisfied. I am receiving threatening phone calls from this lender- threatening to take me to court and ruin my credit if I do not make additional payments. I should not have to pay the same bill twice! Loan was for {$500.00} and already paid. Why are they still calling me? It is harassment and I need help to stop the harassment and recollection attempts for debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges. 

A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments. 

I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges. 

I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA. 

So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges. 

EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge. 

I am concerned that this fraudulent bill will negatively impact my XXXX XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
JPMCB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX DE XXXX has not sent me a wet ink signature to validate the alleged account they say I have with them. 

I have sent numerous certified letters to this company asking for a contract ; an account number, ( i do not have one ), and an immediate deletion of ANY notation or listed item on ANY credit report ( s ) that they utilize.

I have received nothing!

This is extremely injurious to my credit score an
d credit reports ; harmful to my reputation ; stopping me from buying a house, car or other credit products, and is a violation of several state and federal laws! ( FRCA, FDCPA, state laws in Missouri to name a few ). 

I need this item removed from my credit reports ; XXXX, XXXX, XXXX etc IMMEDIATELY! 

XXXX has already deleted this item because it was not verified. 

What is wrong with the other credit reporting agencies? 

To date they have not responded except to say they verified the alleged debt through " parroting ''! This is also illegal! 

DELETE THIS ACCOUNT IMMEDIATELY! My next step is a lawsuit AND I have informed them of this also!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm a student of XXXX XXXX and that was scammed by a private student loan agency who the government has now allowed the student loans to be 100 percent forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
my trust fund that I have with Wells Fargo got moved from XXXX XXXX XXXX XXXX XXXX soon there after the XXXX XXXX XXXX sold all my blue chip stocks of and left me with a huge capitol gains taves! I have tried to resolve with weellsfargo XXXX XXXX and they won't answer my calls any more. My quarterly statement from XX/XX/XXXX shows a balance of {$940000.00} to XX/XX/XXXX is {$890000.00} and they have not only charged me {$700.00} a month but they have not given me enough money to pay my rent for XXXX monthes out of the last XXXX monthes!!!!! My Name is XXXX XXXX XXXX ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX. PLEASE CONTACT ME BEFORE I END UP HOMELESS AND BROKE OR BROKER THAN I CURRENTLY AM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 2023-07-19
Company: LJ Ross Associates
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have almost perfect credit with score being XXXX to XXXX depending on which agency you pull from 3 credit bureau. I check my credit score monthly to see how my credit score changes and keep up with excellent credit rating. Last month I see my credit score dip XXXX points all of sudden and I found out there is a utility collection from a company named " L.J. ROSS & ASSOCIATES '' L J ROSS, XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX for amount of {$130.00} on XX/XX/XXXX reported, XX/XX/XXXX assigned This collection showed up on my XXXX and XXXX credit bureau . XXXX has removed and deleted this items from my credit report which I have proof of but XXXX credit bureau has not, telling me that they have verified this collection is mine. I might be a victim of identity theft or a fraud. I have lived in Colorado since XXXX and have paid utility bill through XXXX XXXX on auto pay for so long as to I don't even remember.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CT
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: HW Holding, Inc
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After my legal representatives have contacted my landlords company regarding further collection of previous charges, On XX/XX/2023, through email my previous landlord denied further discussion into the matter concerning the charges they claim I still owe and reported this debt to a debt collection agency. 

In summary, the debt collection agency " Hunter Warfield , Inc. '' attempted to collect a debt of {$750.00} in which I have communicated my intentions to dispute the charges. In response, the debt collection agency abruptly said they could not speak to me about the matter anymore then continued to file my debt to the credit bureaus. This debt collection is inappropriate and should not have been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Personal information incorrect

Complaint:
Experian has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.

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 2023-07-19
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2022-09-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made 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 2023-05-08
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-17
Company: AFNI 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:
AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Consumer Financial Protection Bureau Representative, I received an alert from XXXX and XXXX credit monitoring that Medical Data Systems INC has reported a negative item regarding an alleged debt. I have reason to believe I do not owe this debt to this company. 
Under The Disputed Debts clause of the Fair Debt Collection Practices Act, I am allotted XXXX to dispute any alleged debt in writing. Also, request that the collector provide more detailed information about the debt and documentation showing that they have verified that they are in fact owe the alleged debt. It also states, until the collector provides this written verification, it may not continue to collect on the debt or seek judgment in court or report any negative items to the credit bureaus ( i.e. XXXX, XXXX, and XXXX. 
However, my rights have been violated since Medical Data Systems INC did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of.

I am seeking your assistance in immediately having Medical Data Systems remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA.

Because I am writing in assistance to help enforce my rights within the Fair Debt Collection Practices Act, please have the company cease attempting to collect this alleged debt until after they have provided the requested information. Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had XXXX lines on my account. XXXX mailed out XXXX cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be XXXX of XXXX days before I could try a new XXXX card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another XXXX. 

A few days later I received a bill from XXXX for {$670.00} for less than XXXX of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a non-working product and horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Since XX/XX/2021, I applied Aid Financial.gov ( Fasfa ) for student loan and even paid {$5700.00}, so I had {$900.00} left. But it bothers me a lot to pay the rest of the money so I have the letter from President Joe Biden and Vice President XXXX XXXX who wrote me not to pay anymore until the new court decision. And it's been 4 days since President Joe Biden canceled academic debt, but why did I get the letter again from this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, with their phone ( XXXX ) XXXX keep writing me to tell me that they will send me to the collection?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NY
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:
Equifax is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely EQUIFAX, XXXX AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind EQUIFAX, XXXX AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. Pacific concrete F.C.U. V. Kaunanoe Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per EQUIFAX privacy policy, I was not given full disclosure of my rights to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account status incorrect

Complaint:
I filed a dispute because over a month after I had paid off my account, and the creditor of the account had sent me a letter stating it was PAID IN FULL and is closed. Experian had not updated the item. Whether this was because it had not been reported yet or otherwise is unclear. They closed the dispute as updated information, falsely marked the most recent balance as updated on XX/XX/23, over a month after it was paid off and kept the pre pay off balance. 

Worse they wont let me file a new dispute denying it saying I can not file it again. 

It also states I need to upload documents but when I do the result is still the same and it wont let me file a new dispute. 

They did not tell me how they verified this information either.

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