BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: TX
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 have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} Account numberXXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account numberXXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX {$72.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$76.00} Account number XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$520.00} Account number XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS 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 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 2022-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX  Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance PORTFOLIO RECOVERY Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX  Original creditor I would like to have all of these disputed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INACCURATE INFORMATION from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX automatically sent me to collections without sending me a bill. Billing company XXXX XXXX XXXX XXXX, MA said they sent me a bill on XXXX, but on XXXX I received a collection notice. I'm not disputing the bill because I know I owe it, but they never sent me a bill of service to even pay it to begin with. 

Called company and they " didn't know how that would have happened '' and also stated that they sent a bill to me on XXXX but it was " returned ''. Funny thing is I got the collection company notice in the mail no problem. Said they would review my file and get back to me. They returned a call and said the bill was taken out of collections and that I could pay it. I paid, but now wonder if I have a blemish on my credit report as a result or if this was just a scare tactic to get people to pay their bill sooner.?? 

I believe the company is automatically sending patients to collections without notifying them of bills. I believed this is engaging in a predatory billing practice and in violation of the FDCPA. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Collection Company : Balanced Healthcare Receivables XXXX  XXXX XXXX, NH XXXX I wouldn't be surprised if these companies are owned by the same person. 

Just bringing this to your attention. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
A credit card was fraudulently made in my name and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The process server phone # is registered to Hunt & Henriques, see attached XXXX XXXX listing. It should be illegal to misrepresent using a process server that never existed and is in fact registered to them. 

Also highlighted is the name XXXX XXXX in their response, which is not me. 

I was NEVER served by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX XXXX - I am not late on the month it shows on the report 4. ) XXXX  XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX bank 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 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 non-monetary relief
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
State: MA
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 had an open mortgage loan with XXXX XXXX XXXX XXXXFin Acct # XXXX reporting date XX/XX/XXXXand an open date XX/XX/XXXX. XXXX XXXX XXXX is reporting that I had a loan with them open dateXX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States?
I never had a mortgage with XXXX XXXX XXXX at no time in my entire life. I have enclosed my supporting documents to affirm the claim that XXXX XXXX XXXX repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. XXXX XXXX XXXX is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ).
I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit XXXX XXXX XXXX account should be removed from my Equifax credit report.
I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.

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 2017-09-08
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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently applied for credit and discovered that I had been sent to XXXX XXXX XXXX XXXX XXXX out of XXXX, Florida for what was originally {$86.00} and now an {$87.00} debt. 

I was never advised nor given the opportunity to dispute the medical claim which XXXX  records reflect was assigned back on XX/XX/XXXX and the first day of delinquecy was XX/XX/XXXX. 

I have disputed this dept via XXXX and they advised me that XXXX XXXX XXXX XXXX sustain the debt because the " name and address provided are still the same ''. 

I am attaching a copy of the written letter of dispute being sent via certified return receipt requested. 

Furthermore, in the state of Florida, the Statute of Limitations for a written contract is five years XXXX ( 2 ) ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}

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 explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

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 2018-06-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX   took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks  ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: MD
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 XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: PA
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 have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: AES/PHEAA
State: TX
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:
I am a veteran and all my school loans should have been paid or reimbursed though military.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.

Company response to consumer: Closed with explanation