BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently got my credit report which showed my credit scores. XXXX and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as one. Apparently this is not happened according to Equifax. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to FICO who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; Home State Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had BOTH Credit Bureau XXXX XXXX & XXXX XXXX XXXX XXXX pull it both on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from FICO who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to FICO -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report and CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/2020, and XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.

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 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

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 2022-01-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My husband and I are victims of fraud/scamming. I have tried working with Venmo, and they are not helping. I sent funds through Venmo to someone that was supposedly helping with crypto stock payouts and then found out I had been scammed. I tried getting them to send my money back and of course they will not. I worked with my bank, and my bank did stop payment for the Venmo transfer, but now Venmo is telling me I owe them {$3000.00}. Although Venmo never asked for any documented proof I did send an abundant amount including proof the scammer has changed their name 3 times in the last 26 days. I am in need of help to retrieve my funds and have plenty of documentation to send with this claim. Venmo is threatening to send me to collections and I'd like this resolved before that can happen. This all happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.

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 2020-06-22
Company: Perfection Collection
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : 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, PERFECTION COLLECTION LLC 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 2022-07-27
Company: EQUIFAX, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is XXXX XXXX and Im need to file a second complaint on Care Credit. Last XXXX, XXXX I reported to your agency that I was being charged late fees and interest charges on my account for payments that were made in advance of the monthly due date. Upon my complaint with your organization all of the fees were reversed and credited back to my account. However, this month they started charging my account late fees and interest charges again on my payment made in advance of the XXXX. XXXX due date for XX/XX/XXXX. Ive called several times and they refuse to reverse the charges again. They also have locked my access to my online account. This account is an 18 month 0 % interest account that Ive never made a late payment on. Please advise. 

Thank you! 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-01-25
Company: EQUIFAX, 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:
Evaluate this account : XXXX XXXX XXXX {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX XXXXXXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in May XXXX 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-01-25
Company: Experian Information Solutions 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:
Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.

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 2017-03-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed