BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a billing statement in the mail from a collection agency called AMERICOLLECT, INC notifying me of an amount due to a hospital. On XX/XX/2021 I mailed a debt validation letter to their offices via USPS, asking them to validate the debt for which they are seeking to collect. Unfortunately that letter was mailed un-certified and strangely, I did not hear back. After recognizing my error, on XX/XX/2021 I mailed a second Debt Validation letter via USPS Certified Mail accompanied by a return receipt. In the Debt Validation letter I asked AMERICOLLECT, INC to prove that this medical debt is mine. I asked for specific documents, at minimum a document bearing my signature where I acknowledged owing AMERICOLLECT, INC. A few days later, I received my return receipt in the mail and about ten days after that, I heard back. AMERICOLLECT, INC responded by sending me a vague semi-itemized bill. It is my belief that AMERICOLLECT, INC has failed to validate the debt in question, which is a FDCPA violation. Furthermore, they have failed to provide proof within the document as to their legal rights to collect on this debt. Not only did AMERICOLLECT, INC not validate the debt but the company decided in the interim to take action and report this invalidated debt to the credit bureaus. As soon as I received the first paper billing statement in the mail, I immediately sought to understand who they were and where this was coming from. The action of reporting this debt, which had NOT been validated constitutes fraud under both Federal and State laws. As of XXXX XXXX, a third and final correspondence has been mailed to AMERICOLLECT, INC in the form of a Failure to Validate letter. In the letter the company has been alerted that I will seek legal consult as to how to move forward. The action AMERICOLLECT, INC has taken to report this invalidated debt has proven detrimental to my credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-09-26
Company: SYNCHRONY FINANCIAL
State: NC
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:
SYNC Belk Duo Card : C/O XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Pulled my credit without my permission on XX/XX/2021. I did not request any information from them regarding a credit card. 

I will be contacting them, but need to let you know in case they are pulling credit from other people.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IN
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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:
According to FCRA 15 U.S.C. 1681a, Section 2B, Exclusions, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device must be excluded from my consumer reports. 

XXXX XXXX is reporting a charged-off line of credit with a balance to my Experian consumer report. This is making it difficult for me to qualify for the necessary financing that I need. Experian reached out to XXXX XXXX and XXXX XXXX verified the account. 

However, according to FCRA 15 U.S.C. 1681a, Section E, the " investigative consumer report '' shall not include specific factual information on a consumer 's credit record that is obtained directly from a creditor of the consumer. 

Because of this, I demand that this item is deleted immediately from my Experian consumer report, or I will file for litigation due to the stress that I have endured.

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 2022-04-26
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-08-10
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XXXX XXXXXXXX XXXX I received an alert that XXXX XXXX XXXXXXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX XXXX the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that JPMCB - CARD SERVICE placed a credit inquiry on my XXXX  credit report. I contacted JPMCB - CARD SERVICE the same day I got the alert. No resolution has been made to remove this inquire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 - Received final paycheck of {$910.00} from my employer and deposited to Discover checking account. 

Check rejected at end of day. 

XX/XX/2022 - Contacted work for check reprint. 

Discover freezes my account for suspicious activity. Upon calling Discover I am informed they are closing my account for business reasons and refuse to elaborate further. Would not be told how I could recover my funds of over {$700.00} in account. Asked to speak with supervisor, told I must wait 24-48 hours. 

It is now XX/XX/XXXX without any further communication from Discover and they will not allow me to retrieve my funds. My work check was reprinted and approved by another bank the day after Discover closes my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Starting about XXXX of last year ( maybe earlier ) I started disputing National  Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Granite Bay Acceptance Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX allowed a company that i've never done business with to check my report. I'm opted out of all prescreened offers. Granite Bay Acceptance think they're an exception to the rule. These credit bureaus need to be disbanded, they're allowed to do anything they want without repercussions. You must jump through hoops to get illegal items removed from the credit report because cra 's are in bed with every creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2018 I pulled my Experian credit report and noticed a social security number variation being reported. I called Experian to find out what collections company was reporting the incorrect social security number. I immediately disputed the social security number variation via certified mail including all supporting documents. ( Not really needing to prove anything considering they know my correct social security number as I am a customer. ) On XX/XX/2018 I received an email from Experian informing me that my dispute was ready. Upon veiwing the dispute Experian states The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

How can Experian use such a XXXX excuse knowing the number being reported does not belong to me, knowing it does not identify me. They have refused to fix this problem and I feel like my dispute was not investigated thoroughly otherwise they would not be allowing this collections company to report a fraudulent social security number on my file.

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 2018-04-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong 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 explanation
Consumer complaint received 2021-08-10
Company: Credible Labs Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, Credible, had different information in their system than XXXX XXXX and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Information belongs to someone else

Complaint:
Victim of identity theft personal information on dark web

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW

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 2021-08-10
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime new Rez say they never reported it and every time credit beuros says its new Rez who has reported it.

I am attaching screenshots from previous complain where i stated new rez lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by new Rez with XXXX  with dispute number XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo charged illegal fees at closing on things that never happened, as to foreclosure laws in Illinois and lied about fees and attorney fees. Because I was unable to receive a loan modification, I was forced to sell our primary residence. I have included some closing documents With erroneous fees with no apparent reason for them, as the house never entered foreclosure status with Illinois courts. 
I never received any summons which was included in their fees at closing was never contacted by any attorney. 
There is a line item for {$3700.00} for fees with no explanation. Also they charged {$2000.00} for lawyer fees with was over stated as lawyer only charged {$860.00}. Total fees were {$5700.00} for no apparent reason as the house was sold before any foreclosure action was taken.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : 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 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 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 response to consumer: In progress