BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Paramount Recovery Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have made numerous calls to get information on a separate debt after pulling credit report. Contacted debt collector listed and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted them today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$34.00}. I stated that my credit report showed something else and that is when she stated I had this one too. When I explained that I was not aware of this bill nor does it show on my credit report the agent told me I still had to pay it. I spoke Paramount Recovery to a XXXX today XX/XX/2022. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX XXXX, myself and Paramount Recovery. This is not the case. I have not signed any documents with Paramount Recovery ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
see attached letter. 
Pursuant to the Fair Credit Reporting Act section 603 ( 15usc 1681a ( 2 ) Exclusions ) states a consumer report does not include report containing information soley as to transactions or experiences between the consumer and the person making the report. Nelnet is reporting a 90 day late on my consumer files. This is a form of a transaction that is negatively reflecting my character and according to the FCRA should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MI
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
since XX/XX/2022 I have been disputing a medical account XXXX XXXX XXXX with Experian. I have also sent XXXX XXXX XXXX XXXX a debt validation request to there headquarters address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on the same day XX/XX/2022 tracking number XXXX and XXXX XXXX XXXX received my request XX/XX/XXXX XXXX it is now XX/XX/2022 and I have yet to receive any validation in regards to my validation request from medical data systems. since my initial dispute experian has been updating and verifying this account with the company even tho I have not received any information from the company. I put experian on notice that I had never signed a XXXX release form with the alleged creditor and that hipaa laws help protect my private medical information from being used without my consent. such notice is a warning to experian that not only is the company in XXXX and FDCPA violation but experian is also in FCRA violation by continuing to report the alleged item without any validation proof. I have sent experian XXXX letters in regards to this account and they refuse to delete the inaccurate item from my file. I do not believe experian is practicing proper FCRA compliance procedures and that they are willfully continuing to report a item on my consumer file with knowledge that this item should not be reporting at all for violating my right to privacy. there are blatant inaccuracies with all consumer reporting agencies. attached are all my letters sent to experian and all my results that were provided to me as well as proof medical data systems is not abiding by the FDCPA. in addition, I have also attached proof of why I believe experian is not following reasonable and thorough proper investigative procedures. XXXX XXXX XXXX has previously submitted on of my disputes XX/XX/2022, and had completed and updated there investigation XX/XX/2022, please help me understand how experian can complete a entire investigation in 2 days with the debt collector but I cant get a response from the company for the life of me even when I have proof the company received my validation request.

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 2022-12-12
Company: CITIBANK, N.A.
State: IL
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:
I received a package with my name and address that I did not order from a company I have never ordered from ( XXXX ). I checked my credit card and it showed XXXX charges ( XXXX from XXXX and XXXX for a website I've never heard of ) totalling around {$400.00}. All on XX/XX/22 around XXXX when I know for a fact I was at my doctors office at that time. I have contacted my credit card company to report the fraud. They canceled that number and will be issuing me a new card. And will be returning the products I recieved. But I am worried that my name, address and credit information has been stolen so wanted to file a report in case they open new lines of credit in my name.

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 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up automatic payment of {$40.00} per month for my Bank of America Visa card account in XX/XX/2022. I thought the bill was paid until In XX/XX/2022 when I received an email saying that my account was delinquent for 3 months due to non payment and my credit amount was reduced to {$700.00}. I checked my account and 3 payments had been cancelled that I had not cancelled and had been the delinquencies had been reported to all credit bureaus and my scores dropped. I read that this had happened to a number of XXXX XXXX  customers. Before this I had a 100 % payment rating.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX DATE XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMPLOYEE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2022-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
I requested the Credit Agency to investigate the inaccuracies on my credit report and validate the information has been reported correctly.

I have investigated this information and have found improper inaccuracies on my credit report after the Credit Agency did their research. 

I have found the following discrepancies and/or inaccuracies that are being reported on my Credit report, with XXXX XXXX  Account XXXX XXXX listed below here are the discrepancies : 1 ) Status > Days late 2 ) High Balance, 3 ) Date Reported 4 ) Count of Late Payments 5 ) Date Last In accordance with the Fair Credit Reporting act and XXXX Account # XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-23
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I began the process of refinancing my equity loan with XXXX. The loan was transferred from XXXX to XXXX XXXX in XX/XX/XXXX. This loan has never been late and each payment was made in full on time. I planned to complete renovations on my home in XXXX before I encountered an unexpected delay that caused the renovations to continue into XXXX. During the month of XXXX, I closed on the refinance on XX/XX/XXXX and expected the disbursements to occur within 3-5 days of closing. In fact, I received the disbursements on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX XXXX was transferred to XXXX Bank. At this point, I was not notified from neither XXXX XXXX or XXXX Bank that the payment was late. I was only notified that the loan has been transferred. On XX/XX/XXXX I was notified that Dovenmuehle Mortgage ( DMI ) reported my account 30 days delinquent. On XX/XX/XXXX I reached out to my loan advisor at XXXX for clarity and was partnered with the Care Team of XXXX to correct this reporting. 

I reached out to DMI myself and was denied twice even after submitting the requested documents. I submitted the email showing that my loan advisor advised me not to send a XXXX payment since the loan was scheduled for payoff ; my credit report showing the delinquent reporting ; and the email verification to show the date the loan closed. The first response from DMI stated the account was reported in good standing. The second response denied my request for changes. The care team of the financial institution that I am refinancing with reached out to DMI directly. They explained the timeline and how I was not at fault ; but, DMI responded and declined the request to make any changes. 

I have sent another email asking for a goodwill adjustment. I have never been late on any accounts. I have always maintained an A+ relationship with all banks and financial institutions. The missed XXXX payment was a mistake. This loan was being refinanced and transferred at the same time. I hope that with the help of CFPB that the reporting can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Statement closing date XX/XX/2022 my Personal computer did not match the credit card account summary truist sent in the mail. Account activity does not match, account number does match and transactions do not match. I printed account activity from my credit card statements and compared them to the account activity that truist sent me in the mail, account activity does match the dates. The issue goes all the way up to XX/XX/2022.

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 2022-12-19
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:
When I reinvestigated my credit report, I see that still the same accounts was erroneous. The XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}

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 2022-12-12
Company: Lockhart, Morris & Montgomery Inc.
State: NJ
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:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Chase bank, and the three credit agencies. Due to the fact that chase bank is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a XXXX XXXX  from XXXX XXXX  on XX/XX/22. I never applied for a credit card with this company. Upon contacting them I was notified that my name, social security number, address, and birthdate were all used to apply for this card. I have all 3 credit agencies credit frozen and I have XXXX. I had to call XXXX 3 times just to get the account closed and they were not very cooperative. In total I spent half a day just trying to get the account closed and they directed me to report to the Federal Trade Commission.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: SC
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:
Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. { Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and 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 and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). 

You must complete this this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. 

I also request that you please send notices of the corrections to anyone who received my credit report in the past six months. Thank you for your time and helping this matter. Sincerely

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