BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: ERC
State: DE
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:
In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive Management has reported a debt that does n't belong to me with all three bureaus. I requested that they validate this debt and delete it my certified mail once in XX/XX/XXXX and again in XX/XX/XXXX. They 've yet to validate or delete it and it 's impacted my credit score negatively

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
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  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 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 2021-07-03
Company: OVM FINANCIAL, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I contracted with a company to build a house. The builders required that their preferred lender, OVM Financial, is used for the loan. I sent XXXX XXXX at OVM Financial my tax returns for the last two years to get pre-approved for the loan. At some point, OVM sent all of my income information to the real estate agent for the builders, XXXX XXXX with XXXX XXXX XXXX. This was done without my consent or without even asking. XXXX XXXX then forwarded this information, details of how much money I made in the last two years, to the builders of the house. I need to file a complaint due to my personal financial information being passed around without my consent. The email and the attachment with my personal financial information that was sent from OVM Financial to XXXX XXXX are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Americas Car-Mart, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Carmart is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: AES/PHEAA
State: AZ
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:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: LEXISNEXIS
State: PA
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 company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act.

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction.

Unauthorized/Erroneous Account RESULT OF The Equifax Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Bay Area credit services account # XXXX creditor pens XXXX XXXX XXXX XXXX just Recently Started sending me a bill for XXXX and Ive called and told them I dont have a bill and I dont know that place and they it was from a doctor visit back in XX/XX/2018 my kids and I have Medicaid and have had Medicaid for over a year. And the only doctor or hospital we have been to we dont owe anything Ive called and this place cant tell me what doctor and they were getting mad when I wouldnt pay and said they would freeze my ssn Ive never heard of that before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
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 submitted to TransUnion two disputes involving XXXX XXXX. XXXX XXXX XXXX XXXX is incorrectly reporting an account with TransUnion and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. TransUnion says they did an investigation of my claims in both cases. In the case of XXXX XXXX XXXX XXXX they suppressed the information in the dispute but did not delete the file as requested so the balance reflected as the high balance is still wrong. In the case of the XXXX XXXX Bank account they did not fix the late payments. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks 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 2017-08-19
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Global receovables never sent the letter of assignment outlined under fla stat XXXX notifying me of my right to dispute under section XXXX of the FDCPA. This agency made no attempt to send aforementioned letter to my correct mailing address [ deltona is n't my address ) as listed on my credit. Furthermore, I 've had insurance since XXXX/XXXX/XXXX and all medical bills inxurred this year have been pd through my insurance.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-09-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK Court XXXX Illinois Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXXXXXX

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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