BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was initially contacted by General Revenue on or about XX/XX/2020 regarding an alleged debt. The debt allegedly derived from XXXX XXXX University and was allegedly {$2100.00}. The initial letter I received stated that the principal balance was {$1600.00} and additionally a " collection cost '' of {$420.00} was added to the principal balance bringing the total alleged debt amount to {$2100.00}. I have attempted to resolve this issue multiple times with General Revenue in the past. I have also contacted the financial aid office with XXXX XXXX University and have been told " it was not heir problem ''. When I requested validation of the alleged debt I received a letter from General Revenue containing a list of charges. The alleged debt derived from a Federal Student Loan that I never received from XXXX XXXX University and the loan was allegedly received by myself when I was not enrolled in the university. The list of charged stated that I owed a principal balance of {$1400.00} along with a " collection cost '' of {$350.00} bringing the total alleged debt to {$1700.00}. General Revenue alleged to validate a debt with a completely different principal balance and a different amount charged as their " collection cost ''. General Revenue has placed this account on my credit report without validating the debt or even the actual amount allegedly owed. The Fair Debt Collection Practices Act ( FDCPA ) specifically states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' Falsely representing the amount of a debt is a blatant and direct violation of section 807 of the FDCPA. General Revenue falsely represented the amount allegedly owed in regards to the Principal balance.General Revenue has also added their own fees to this alleged debt in the amount of a " collection cost ''. Section 808 of the FDCPA states '' The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '', is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NV
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 U.S.C 1681. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX, 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 secti
on 2 it also states : a consumer reporting agency can not furnish an 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 annotates the report by more than XXXX XXXX 15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Capital Accounts. I requested a validation on XX/XX/XXXX as I do not believe that the account belongs to me and/or was not paid by my insurance. On XX/XX/XXXX I reviewed my credit report again which was updated to reflect that the account was being disputed however I never received validation of this debt nor HIPAA authorization from them. A 2nd validation request was sent out and when I reviewed my credit report again on XX/XX/XXXX the account was still reflecting on my report as disputed with no validation information received by me. Based on their failure to validate this account adequately I would like this account removed as this account is still reflected on my credit profile and continues to negatively affect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.

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 2020-09-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. XXXX inquiry dated XXXX .Please remove these inaccurate inquiries off my 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 non-monetary relief
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: OH
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 was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE

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 2017-07-03
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 is missing that should be on the report

Complaint:
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Name , Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to transunion and  XXXX  for all personal info to be updated.

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 2022-10-08
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items ( Transunion, XXXX and XXXX ) that are on report and all three are wrong. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR TRANSUNION, XXXX, AND XXXX TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX ( FINANCE ) XX/XX/ XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( BANK ) XX/XX/ XXXX XXXX XXXXXXXX ( FINANCE ) XX/XX/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 2023-05-15
Company: Experian Information Solutions Inc.
State: SC
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 other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my XXXX credit report. XXXX has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to 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 2022-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I always call credit acceptance to help me with my bill and everytime i call i get a customer service advisor forcing me to pay up and asking XXXX dollars even when i miss my payment agreement vs me comminuting with to make a payment agreement to a different date I feel like im always get treated disrespectfully everytime i call.

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 2020-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, I have recently had problems with JCMCB ... JCMorgan Chase Bank concerning a purchase showing on the credit card. Please see the following : 1 ) I don't remember even applying for this credit card, unless it was by mistake.

2 ) I rec 'd the credit card even though I did not want it.

3 ) I took the card and put it in my box of unused credit cards because I did not want it.

4 ) I did not make any purchases on that card.

5 ) I rec 'd a statement in the amount of {$60.00} for the period XX/XX/XXXX - XX/XX/XXXX. I called JCMCB to discuss the problem. They were going to research.

6 ) I did not hear anything back from them.

7 ) I called again when I rec 'd the next month 's statement with late fees and interest, 8 ) I called again to talk to a manager. They would not get me a manager.

9 ) After going back and forth with JCMCB, they finally wrote off the balance and closed the account.

10 ) Now there is a mark on credit report of a late payment relating to XX/XX/2020.

11 ) This is not fair considering the balance was not mine in the first place.

12 ) I would like my credit report adjusted for this mishap so my credit score can go up.

Please take care of this asap, as I work hard to keep my credit score in good standing.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Original complaint # XXXX WELLS FARGO responded to my initial oncomplaint listed and stated they could not reach me. Which is untrue. I've called WELLS FARGO multiple times over the past months and have been directed to multiple different employees who tell me different things. Today XX/XX/23 I was told by the VA that the FEDERAL RESERVE gave the banks discretion as to what programs I use. WELLS FARGO told me last time we spoke that the VA has discretion. I have multiple emails asking WELLS FARGO for all paperwork pertaining to my loan and have been given none. I have reached out to a lawyer seeking legal representation for this matter. My assigned home preservation specialist XXXX XXXX is unreachable. I have left numerous voicemails and emails with her and have not received a phone call from her or an email from her. It's always someone different with a different story. 

I would like everything I listed in the original complaint. 

Thank you.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX XXXX AND EXPERIAN HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, XXXX, AND EXPERIAN HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT 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 2023-08-25
Company: Conn's, Inc.
State: TX
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:
XX/XX/XXXX Conns is reporting an alleged debt that is not true or accurate to my knowledge. They have not sent me or provided with me with proper verification under the FCRA, to prove this debt is mine. They keep quote on quote verified with the credit agencies XXXX, XXXX, XXXX They are not in compliance with the FCRA. In anyway way shape or form. 
Here is a list of violations that CONNS is reporting on my file and refuse to fix this problem that is affecting my life tremendously. 

FCRA VIOLATION and they know this. 
* CONN APPLIANCES INC Account numberXXXX  Delete this account for inaccuracy because it continues to report activity after close date XXXX They keep reporting to XXXX XXXX, yet report XXXX  to you, if a lender was to pull my XXXX for a credit application or will result denial because of this inaccuracy. Delete immediately How can this be legal and be allowed to finish my credit worthiness? 

Fair Resolution Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to my 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 non-monetary relief