BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX  XXXX XXXX XXXX  This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a balance on my credit report. This account has been paid and the balance should be {$0.00}

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 2019-10-30
Company: Experian Information Solutions Inc.
State: TN
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:
Experian stated in writing that the following collection item was verified : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX for the amount of {$1500.00}. 

I was sent a collection letter by XXXX XXXX XXXX dated XX/XX/2019 on the behalf oXXXX XXXX XXXX demanding payment of {$1500.00} ( see attached ). I responded to XXXX XXXX XXXX by requesting validation of the debt ( see attached ) and sent my response to all listed addresses via certified mail ( see attached ) as well via fax ( see attached ). 

As of XX/XX/2019 I have received no response to my request for debt validation. 

Also debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( XXXX XXXX XXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX XXXX   about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXXXXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. 

Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.

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 2019-10-30
Company: Bull City Financial 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:
I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills  were denied payment. 
Bull City Financial Solutions XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: T.S. Holdings
State: VA
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:
I have sent a dispute letter to IQ data international and they did not respond, but then went ahead and posted incorrect information on my credit report and want to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
car loan on all credit reports showing in collection and charge off for XXXX on paid vehicle. the company is bank of america n.a. I have sent dispute letter to them with no reply. within a couple more days the will be in default of fcra rules that give the 30 days to reply to dispute. this issue is not getting resolved with them. the acct number is below for bank of america n.a. 

Contact : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Account status Charge off/ Collection Date opened XX/XX/2014 Account type Auto Loan Balance Loan Amount {$400.00}

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 monetary relief
Consumer complaint received 2019-10-30
Company: Prime Recovery LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man by the name of XXXX XXXX from Prime Recovery legal team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX seems to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX  needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX XXXX legally you need to help with that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
About 15 months ago, I got sick and lost my wallet with all of my Credit Cards. I made a call to all of the banks who gave me card, Someone found my wallet with my cards in and begin using them and run my balance up to {$60000.00} with chase Bank and the other chase card was $ XXXX.I have been writing them to get off my credit report, Again I am XXXX years old black man, I have alway paid my bills on and have banking with a chase over 20 years.. I have has my lawyer write a letter form me about this issue, I have written a letter to all of the credit reporting agencies for help, and file a Police Report with the city of XXXX, CA, File with XXXX and Identity Theft Victim Complaint and Affidavit. they still won't take this off of my XXXX Credit Report. I can use help. I have summited all the documents to and the Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2021-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
Problem with my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I was contacted by NCB stating I owed a debt for a cash advance and they now owned it. I was unsure of the debt, as the only one I had knowledge of taking out was paid off years ago. I requested information on the debt be mailed to me. I recieved nothing. I did not hear from them again. Not even information on their company or my rights. In XXXX of XXXX I recieved a notice that there was a collection account on my credit report and my score dropped XXXX points. Despite them not providing me a validation notice or the validation I requested. I filed a dispute and sent them another request for validation of the debt. I tried to call and talk to someone but they said no one was available and to call back later that day. They finally mailed me the original agreement I signed and a very basic financial record to close the dispute on my credit report. I contacted them again and requested more validation of the record, because it didn't show any of the details for the advance or payment information. I am still waiting on it to see how to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted XXXX, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX " ; " XXXX " ; and " EQUIFAX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2021-06-04
Company: JPMORGAN CHASE & CO.
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:
Chase auto finance reported my account 30 days late on XX/XX/XXXX. 
A payoff check was sent to them on XX/XX/XXXX, and XXXX has a Proof of Delivery signed for by a Chase representative on XX/XX/XXXX. 
The check was misplaced by Chase and never applied to the account resulting in the derogatory marking on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2019-10-30
Company: ID Analytics, 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:
On XX/XX/2019, my wife and I went to purchase a XXXX XXXX XXXX ( used with XXXX miles on it ). Our credit was run and we were told by the dealer, we had excellent credit 800+ ( as my wife and I were already aware ). We were given an interest rate of 5.9 %. 
On XX/XX/2019, we received a letter in the mail stating our credit report was ran through XXXX  ( score of XXXX ) and SageStream LLC ( score of XXXX ). The reasons given by SageStream LLC for our score were ; Too few active accounts, Limited Credit History, Too few installment accounts, Proportion of satisfactory trades too low. 

My wife and I both received very similar scores on both reporting agencies. We have fully paid off three vehicles ( two being brand new ), credit lines ( not maxed, paid in full, all bills paid on time, etc etc. ) I looked this company up and found this to be a VERY common problem in which people go with great credit and receive high scores from every but SageStream LLC. I personally don't like this company low balling me and potentially getting me a higher interest rate, when I am very financially savvy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Morgage inquires withing 30 days should only be shown as one inquiry. On the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter last month stating my account was closed. Because Citi bank failed to close my account correctly the first time my stimulus check from the IRS was deposited into that account. They sent me a letter stating they were closing my account but never sent me my stimulus check The stimulus check was in the amount of XXXX {$1200.00} for me and XXXX $ for each of my children. The IRS is stating they sent my stimulus check to that account but I have not had access to that account since XXXX of 2019. It has been several months this bank has been holding my money. They hang up in your face when you try to call and give you little information.

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 2019-10-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
At the end of a specified period, Wells Fargo transitions a HELOC from a Line of Credit to  Repayment. In repayment, the consumer agrees to a fixed rate, fixed term repayment arrangement and can no longer access the line of credit. However, for billing purposes, Wells Fargo continues to treat the loan in repayment as a line of credit. In doing so, WELLS FARGO IS SYSTEMATICALLY PREVENTING CONSUMERS FROM PAYING A KNOWN, FIXED BILLING AMOUNT IN ADVANCE until it gets around to posting a bill. This puts in place an arbitrary barrier preventing consumers from effectively managing home equity debt, with the bottom line effect of increasing the cost of credit to consumers and increasing interest revenue flowing to the bank. 
The bank will argue that one can always make a principal repayment ; HOWEVER, THE SUBSEQUENT BILL DOES NOT ACKNOWLEDGE OR ADJUST FOR THIS PARTIAL PREPAYMENT - i.e., the consumer will still be responsible for the full fixed payment when subsequently posted - with obvious negative cash flow consequences to the consumer and interest accumulation benefits for the bank. 
I also have a mortgage with Wells Fargo and within 1-2 days of making a payment, a new bill is posted for the next month for which a payment is due, which I am free to pay. 
Both of these instruments have fixed terms, fixed rates and fixed payment amounts, but only one is cynically structured to trap the consumer desiring to pay in advance into unnecessary interest payments. 
Beyond this, Wells Fargo continues to move the date around when it posts bills. The result of this is that the split between principal and interest is not predictable and is manifestly unfair. Example, for the latest billing cycle payment - which I paid on the day the bill posted - my interest charges were 9 % higher than the prior month, DESPITE THE FACT THAT I HAD REDUCED PRINCIPAL BY NEARLY {$2300.00} IN THE PRIOR MONTH.

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