BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: Synergetic Communication Inc
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter today out of the blue. Upon reading it the first time, I did not recognize any part of the loan or companies they are representing. I thought there must be some mistake. After much thought, if this is indeed a loan taken out by me, then its for a auto loan I aquired in XXXX, CO, in XXXX. As far as I can remember, it could have been XXXX XXXX XXXX, and ended with the vehicle being repossessed for years later in XXXX. I never heard from the company again as they were located in Tennessee and I was then living in XXXX, CO. As per everything that I have been reading, you can see this is way past the statue of limitations. I have no idea why they would even try to collect on a debt that old? My next plan is to utilize my rights and request validity of the debt. However, I wanted to inform whoever I could of the work, time, and effort it is going to take to resolve this matter which is absolutely ridiculous. I have not had a vehicle finance since then until just recently in XXXX of XXXX. By the way, it is not financed with this company or any companies linked to this company. I hope all gets resolved quickly and fairly, I am not happy with these fraudulent attempts of collection. Please advise me on what I am able to do to resolve this matter and hopefully thort any future fraudulous requests. Thank you very much for your time. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to XXXX, TransUnion, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
TRANSUNION, XXXX, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
According to my credit report, there is a missed payment from me on XXXX, however, I made my last payment on XX/XX/XXXX, to XXXX XXXX before the vehicle was claimed as a total loss by the insurance on XX/XX/XXXX. As a result, this false claim has negatively impacted my credit score by a total of XXXX points.

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 2022-12-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a victim of identity theft in the past I have tried to open a account with XXXX XXXX numerous times I get approved get my card then all of a sudden I can't access it and it's closed therefore leaving anything that has been deposited never returned and the fees that I have accrued when I never had access to my account for no more then a week

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

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 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 believe my credit has been ran without my permission multiple times. 
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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I made a payment on Bank of America XXXX app on the XXXX of XXXX but the payment did not withdraw from my account. I proceeded to make another payment on my account on the XXXX but bank XXXX proceed to flag my credit report as 30 days late when 30 days would of been on the XXXX of XXXX. I proceeded to try to resolve this issue with Bank of America over the phone by speaking to XXXX XXXX XXXX. But all I got from him was a attitude and him being rude as well as telling me maybe you should make your payment on time. Not only did that come off as rude but as well as 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 2022-02-04
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:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/XXXX I sent, through certified mail, a letter to XXXX, XXXX, and Experian credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Experian XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, Experian reports this date as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX credit reporting bureaus ' records. 

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 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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:
Identity theft collections accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I keep getting the run-a-round oh were really busy but we have you in line and will be addressed... never receive a call to work my access to experian works! its been an ongoing unable to access past 3+ months.

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 2023-10-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
This is many years later about Navient. I previously filed complaints about XXXX XXXX in XXXX. 
I started getting harassing calls first from someone twice and they said that they are calling from " XXXX ''. Then they said that they have a client that is working with me that would like to talk with me. Then they transferred it to a man, without even waiting for my approval. The man said that he is calling about my Navient XXXX XXXX XXXX. I told him that it is over. Then he called and left a message using scare tactics. His voicemail said that he is working for Navient and he needs to get my work authorization. I didn't call him back. 

Why didn't I call hem back? Because those Private Loans were charged in XXXX and they passed through through four years of California XXXX XXXX XXXX. Then they kept on emailing me and reported my credit for another 10 years. After 10 years Sallie Mae/Navient dept was over and I never paid for them. They removed the debt from my XXXX XXXX XXXX Credit Report XXXX XXXX. 

I checked my Credit Report today and I found out a wrongfully charged old debt that said " It was paid at XX/XX/XXXX ''. That is a lie. I never paid them and they are being sneaky and they are scamming me. They have no transaction to approve my payment to them on XX/XX/XXXX. They basically set the clock back to reactivate my old loans. I want Navient to take responsibility for their wrong doing and remove their newly activated loan. 

Here is a screen shot of Navient 's stupid lie and reporting! 

NAVIENT Exceptional payment history {$11000.00} Balance updated XX/XX/XXXX Account info Account name NAVIENT Account XXXX Original creditor- Company sold- Account type Education Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Paid off 0 % Monthly payment {$0.00} Last Payment Date XX/XX/XXXX XXXX Months Responsibility Individual Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
University hospital of XXXX placed me in collectors for a accident that happened on 2008. This hospital were paid in full due to my case was with a workers compensation and I had a lawyer taking care of all my bills. In doing my taxes I received a letter stating that I owe XXXX to this hospital and they will be deducting the monies from my income taxes return. I have never ever received a letter stating that I owe this hospital however tge Monies where deducted from my income taxes refund.. This is a mistake in there part all bills where paid through my lawyer. I need my XXXX back that they took out from my income tax.

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 2022-12-26
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 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 tha
t the information is inaccurate.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2020-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Experian over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply. I have attached my Florida State ID as proof of my Identifcation.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-05-13
Company: AFNI INC.
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation