BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: College Ave Student Loan Servicing, LLC
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX is the company I am filing the complaint on. I do have a private student loan I have defaulted on because I can't afford to keep paying the loan. I want to settle the debt at some point with them but not now since I don't have the money. My name is the only one on the loan. Their headquarters is in Delaware at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Not only have they called my parents harassing them from a fraudulent number, but they have also now called me from a fraudulent number. The number they called my parents from was from a XXXX ( XXXX XXXX, AR ) number and the number they called me from was an XXXX ( XXXX Arkansas ) number. It was XXXX to be exact and my cell phone shows this number to be from XXXX XXXX, AR!!! This loan company has NO offices in Arkansas. I was going to offer to settle for {$10000.00}, about half of the loan balance, but since they have now called both me and my parents from fake phone numbers, that offer will now be reduced to {$6000.00}, or {$2000.00} for each time they've called us from fake numbers. I want a stop put to this NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The company TransUnion XXXX XXXX explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my 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 2023-05-04
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update.

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 2023-03-14
Company: EQUIFAX, INC.
State: VA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION / XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2022-07-12
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 : account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I used cfpb to file a complaint to Trans Union to resolve issues on my consumer report to non avail. XXXX XXXX l continues to report on my consumer report. What method of verification was used to validate/verify and/or update this account? Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of this account. Pursuant to 15 USC 1681c-2 this account must be blocked no later than XXXX business days of receipt of statement that this account is a result of identity theft, receipt of my Identification and your knowledge that this account is being report as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a telephone call from XXXX purporting to be with XXXX XXXX XXXX. The representative stated that " Check N Go '' is attempting to collect {$1000.00} from me. In XX/XX/XXXX I was discharged from US Bankruptcy Court and Check N Go was listed in this granted discharge. Check N Go continues their business practices of harassments by having different collection agencies continually contact me.

I should be the one filing suit against Check N Go because this debt was legally discharged over eight ( 8 ) years ago but yet they continue the harassments activity. 

XXXX XXXX, Attorney at Law represented me in this Bankruptcy and advises me to contact you because Check N Go 's business practices described are against the law. 

I am old and disabled and these scammers try to steal from me. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 2021-07-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TN
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate 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 ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX XXXX {$690.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: DISCOVER BANK
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:
I am writing to dispute the following information on my credit file. I have circled the items I have disputed on the attached copy of the report I received. 
This report I received on XXXX shows both credit accounts which are XXXX and Discover. These accounts are fraudulent accounts and were opened without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-11-05
Company: Experian Information Solutions 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:
I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and Experian reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX Experian reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX XXXX and Experian reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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 explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2017-05-17
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since  XXXX   2016  I have been going back and forth to have these accounts contained in my credit file removed. This company has had over  XXXX  accounts listed as me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the  XXXX  different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae Bank has been harassing me via phone. Im unable to pay my monthly payments due to financial hardship that started with COVID. I have reached out to them multiple times, each time they say they will work with me to come up with repayment options and each time they review my account they tell me there are no options. I do not understand why the phone calls continue if there are no repayment options that I can manage. They refuse to lower my monthly payment. Now theyre calling precious employers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 was checking on my TransUnion credit report, as do about once/month, to make sure everything looked correct. 

I noticed a new employer had been reported - ASAP Drug solutions. 
XXXX XXXX XXXX XXXX I definitely DO NOT work for this company. I keep my credit reports frozen and had no notifications of any attempts to run my credit, background, or other personal information. 

I contacted XXXX XXXX XXXX and spoke with their background check department. They sent me to the headquarters ( a different company name that XXXX XXXXs operated by_ and I spoke with their HR department. Neither person I spoke with, both of whom were very helpful and cooperative, could find any record of my SSN in their system, which was somewhat of a relief. 

So I still don't know for sure how my credit report got hit with this information. I suspect identity theft via random SSN entered fraudulently on an XXXX or other employment paperwork. 

I contacted TransUnion, placed a fraud alert on my report ( which has since populated to XXXX and XXXX ) and disputed the new employer, which was then removed. 

My main concern now is that I could somehow be liable for taxes owed by whomever is working under my SSN and I want to protect myself against that possibility.

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 2017-05-17
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:
There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .

Company response to consumer: Closed with explanation