BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX  XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. 

This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. 

To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. 

Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! 

Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Information is missing that should be on the report

Complaint:
I have filed several previous complaints against Experian regarding untrue negative information. Finally Experian deleted this negative info. However recently Experian lowered my XXXX score from XXXX, excellent, to XXXX poor. The reason for this appears to be that Experian claims that I have no avaialble credit. They now refuse to acknowledge my credit card with XXXX XXXX XXXX that I have had for over 30 years. I spoke to my credit card company and they are not the problem. I have over {$40000.00} in available credit on this account. I currently have NO XXXX score due to Experian 's error. It need to be corrected immediately.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I remotely deposited a check from XXXX ( XXXX ) to my checking account at the XXXX WV location. I was told it wouldn't clear until the XXXX. I was told the check cleared on the XXXX. On the XXXX I tried to pay a bill and the payment was denied. I was told the account was restricted because i had to prove the check was meant for me. The fraud department was involved in this. I had an in-bank meeting on the XXXX. It was very unpleasant. I was told if I closed the account I would receive a check from the bank in 5 to 7 business days. Nothing like that has happened. I have since contacted all Chase numbers i could find and also XXXX. XXXX sent me a letter describing my account and the delivery of the check to my address. They enclosed a copy of the front and back of the check with my signature and deposit information. The date on the copy shows the check cleared on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I made a payment of {$65.00} to my credit card for the XX/XX/XXXX due date. I was charged a {$40.00} fee for nonpayment on the bill due on XX/XX/XXXX. ( XX/XX/XXXX I ended up getting XXXX and was sick until the middle of XXXX ). I called the company when I finally got well and disputed the {$40.00} charge for the nonpayment of the XXXX bill. I was told that I owed {$3.00} and was charged a {$40.00} fee. I asked them to waive the fee, but they refused. I closed the account. The card was a prepaid card. I had a {$600.00} balance. In order to get the card, I had to pay a {$500.00} deposit to cover my credit limit. When I closed the account, they only applied {$390.00} of the {$500.00} deposit to my account. I was charged an additional {$40.00} late fee and {$15.00} in interest fees. I am disputing these charges and the missing {$100.00} in the security deposit. I am also disputing the {$260.00} remaining balance on the card. The balance should be {$68.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been submitting disputes for this charge to be removed but the fraud is still reflecting on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX XXXX I lost my job, and Bridgecrest XXXX my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, Equifax, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax refuses to remove unauthorized inquiries XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 after sending letter after letter asking them to provide prof that the inquiry are mine or any Signature bearing my my name but failed to do so told them that they are not mine According to the FCRA Legally anything unverified and unauthorized must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
During XXXX Of XXXX  I Opened A Navy Federal Credit Union Account, After A while I Quit My Job Working On The XXXX Vehicles For The XXXX XXXX In My City. I Used XXXX  Search Filters To Find New Jobs & Came Across A Career Option As A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Doing This For A While The Company Will Pay Me Using Gift Cards & Never Will Set Up My Direct Deposit As Requested As I Start To Get Stressed With The Gift Card Pay Every Week I Told The Company I Was Looking For Another Job Cause I didnt like the payment methods & knowing i will need paystubs and proof of deposit to my checking account after explaining this the company told me they will be sending me a bonus check to deposit into my bank for almost XXXX $ i continued to work once i received the check i immediately went to my bank ( Navy Federal Credit Union To Deposit ) Days Later The Company Asked For My Account Information To Verify My Check I gave it To Them after that the so called boss called and said the check was over writing i need to send the money back i told him that it was still in my bank im waiting it to clear im sorry i thought it was my bonus check he respond no not that onewe need the money sent back immediately he checked my account and told me to go withdraw XXXX $ and send it on gift card i did so trying not to lose the XXXX immediately after that i felt that was XXXX mistake a employer can make i went to XXXX  did research on the job and omg everything said XXXX scam i was so lost they had locked me out my account navy federal fraud department line was so long so i hung up and i walked in bank got help filled out forms and NFCU havent got my account fixed since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ID Analytics, Inc.
State: NJ
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:
Sage Stream continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Sage Stream Has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX I didn't approve double hard Inquiry, XXXX XXXX XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid off an account that I wasnt aware of and wasnt on my credit report. The correct account is still unpaid-they wont transfer the funds from the incorrect account to the account that is on my credit report. The account they had me pay is from 9 years ago and I contacted XXXX they verified the incorrect account is not in there system with my social security only the one that is on my credit report. It was never indicated to me there were 2 accounts under my name from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
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:
My name is XXXX 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 2023-05-23
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am reaching out to XXXX and Experian regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from XXXX / XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX addresses from Experian/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  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