BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Opportunity Financial, LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Acc # XXXX, OppLoansXXXX Acc # XXXX, and XXXX XXXX XXXX XXXX Acc # XXXX All furnished known false information to my consumer report therefore violating consumer law. 

Today I am writing to dispute the verification of these accounts that has been reported by these unkown Creditors. I have reviewed my credit report, and noticed this Creditors has verified the accounts as ( accurate ). However, just for starters the supposed date the accounts were opened are incorrect and also the last date reported is not accurate which are in fact grounds for removal. The fair credit reporting act states everything on my report has to be a hundred percent factual otherwise you are in violation of 15 U.S.C 1681 which promotes accuracy, fairness, and privacy.

I would like to bring to your attention that I have never had any dealings or financial transactions with these Creditors and therefore I strongly question the accuracy and legitimacy of their claim. It is crucial that you assist me in rectifying this issue by conducting a complete and comprehensive investigation into the disputed account.

Furthermore, as a consumer, I am entitled to receive proper validation and verification of any debt claimed against me, as mandated by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Therefore, I kindly request that you provide me with the following information : Verification and validation of the debt claimed by this Creditor.

Documentation proving that I have entered into a contractual agreement with the Creditor for the alleged debt.

Copies of statements or other records demonstrating my liability for the disputed account.

Details of any correspondence or notifications sent to me regarding this account.

It is important to note that if the Creditor fails to provide the necessary documentation as outlined above, it raises doubts about the accuracy and legitimacy of their claim and proves the said transaction not to be valid. In such a case, I request that you remove the disputed account from my credit report immediately, I haven't contracted with this company in the past and I don't wish to do so in the near future.

I would also like to remind you that according to the FCRA, you have a ( legal obligation ) to conduct a reasonable investigation into any dispute raised by a consumer. I expect you to adhere to these guidelines and provide me with a prompt resolution to this matter.

Please acknowledge receipt of this dispute letter and inform me of the actions you will be taking to investigate and resolve the dispute. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Lincoln Educational Services Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX7 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 a 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 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX : I got an email that I opened a XXXX Credit Card and would be receiving the card in the mail. 

XX/XX/XXXX : I got a call from Capital One fraud department that a credit card was trying to be opened on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a collection notice from Penn Credit Corp for XXXX XXXX XXXX XXXX. I immediately contacted them indicating I wanted to dispute the debt because it does not belong to me. The first reason is because i do not live in XXXX and have never lived or owned property there. I live and work in XXXX XXXX  XXXX. I own my own home and have since XXXX the utility company i am using is XXXX for lights and XXXX XXXX for heat. There is no reason to have gas & electric services in XXXX. The second reason is because I explained to them that i am a victim of identity theft. Somehow my social was compromised and people have been applying for benefits and things under my name. I sent them proof of that as well. Instead of investigating the situation, I received notification from XXXX XXXX XXXX that they put me in collections. Then after already placing in collections i get a package in the mail from Penn Credit with forms to dispute the debt. Wouldn't it have been fair to let me dispute it first, then if things did not add up, THEN put it in collections? Instead, they put me in collections first without even giving me a chance to submit the paperwork. There were also questions I asked for them to answer that they never did. I would like those questions answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 my file at Equifax is 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 ( 5 ), 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Central Portfolio Control Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I Contacted Central Portfolio ( collection agency ) on XXXX, XXXX at XXXX. I spoke with a representative that stated that i owed a medical balance from a hospital named XXXX XXXX XXXX. I stated that the bill was paid in full with a grant to the XXXX XXXX XXXX directly and this was added to my credit report several times before but had to be removed due to account was paid in full. I called the hospital with the Central Portfolio representative on 3 way calling and the hospital verified that i do not have a outstanding balance with them. The hospital even told the collection agency directly on the phone that i do not have a outstanding balance with them. The collection representative from Central Portfolio stated they will send a itemized bill but i never received it or proof that this bill exists. This account has been sold to several different collection agency and have been removed from my credit report before in which my past credit report shall reflect. The original hospital is closed down and now a new hospital is operating under a different name called XXXX XXXX XXXX located in XXXX XXXX, Missouri in the City of XXXX. They sent a paid invoice but the collection agency rejected it because the invoice number was different due to the file being transferred so many times. The balance show that the bill was paid in full on XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. I exhausted all of my resources and i tried to resolve with Central Portfolio, but they are not producing any evidence of a original itemized bill from XXXX XXXX XXXX. Note that the original invoice statement attached will have a different balance and invoice number that the collection agency is claiming due the XXXX XXXX XXXX is now XXXX XXXX XXXX. The dates on the invoice is the same date that collection agency has on their verbal invoice that has not been sent to me as requested. I also gave the hospital the collection agency invoice information in which they could not find in their records. Please let me know how i can get this resolved again and not have it back on my credit report. This has been a ongoing nightmare for the last 5yrs and it keep resurfacing on my credit report but is constantly removed every time. Please help -KINDLY-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Btw-not certain type of loanif FHA or conventional I have been attempting to complete a modification that I can afford without penalty and extending loan out extensive decades further than initial time matured-along with the HUD department helping with principal reduction program along with assisting My process to become current and pay towards the missed months during my forbearance I have not been able to conclude this process while awaiting the HUD department to work along side of Carrington as Carrington originally excepted an offer they were willing to work with from the housing resource group/HUD alternatives however now have come back after I declined theyre all the horrible option for a modification saying that I am now in eligible for a principal reduction plan therefore preventing my mortgage payments to come down as I had initially been anticipated as they say My loan is ineligible And I now unfortunately have lost a $ XXXX {$50000.00} lump sum that was very highly likely to be granted as it had been approved through the program due to all of my extensive Covid hardship for a great deal of time and significant loss of financial XXXX XXXX XXXX  XXXX  At this point Im at a standstill and Im sure that they are excepting any possibilities however even if they allow HUD to bring me current I am in fear of the penalties the interest rate and the new modification they will offer me after that as it was almost worse of a scenario that I had initially Even back fully employed They also did grant me a forbearance however continue to say it started three months prior to the date I actually requested it and stopped paying my mortgage regardless of my attempts to bring things current with the proper department I Have not ever been able to get a clear and consistent answer from any one department or communications through website or mailings Ive made continued attempts to facilitate retaining my home and anticipated an extremely promising and hopeful platform to regain my financial security and retain our family home of 25  years and while I am still in a holding pattern -I was sent that there was a dispute being filed regarding all of this from the XXXX XXXX XXXX in Wisconsin therefore I am submitting review to see how this has affected my process I anticipate much of this suit reflects the very issues of resistance and one of the reasons and largely affected that I ( with the help of HUD and XXXX ) were unable to facilitate the principal reduction program that had initially been approved By Carrington. It is all very confusing so I am unsure why they changed their mind once the monies were there to be paid however I have been diligent and made every attempt to resolve this matter and I am very likely going to end up in a much worse & dire financial circumstance even with A stable full-time XXXX wage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had fraud on my account. I emailed BEFORE you put stuff on my credit report without my consent. As a 1 time curtesy I want this late fee removed.

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 2022-11-29
Company: EQUIFAX, INC.
State: NJ
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:
Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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: Closed with explanation