BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: GA
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:
AGAIN THIS IS NOT MY DEBT : On [ XX/XX/2023 ], I mailed you a letter disputing [ inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following : ( XXXX XXXX XXXX XXXX ) Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and [ modify or delete ] the disputed information as I requested before the end of the XXXX-day period on the date on which you received my dispute letter. Here, you received my dispute letter on [ XX/XX/2023 ] ; therefore, your response was due on or by [ XX/XX/2023 ] -note : XXXX  days+ ]. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated [ XX/XX/2023 ], claiming [ XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ] Clearly, you have willfully failed to [ modify or delete ] the disputed information as I have requested. Instead of ( modifying/deleting ) the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ IT HAS BEEN VERIFIED ]. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of sud determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly [ modify or delete ] the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your [ modification or deletion ] of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of [ XXXX XXXX ]. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within [ 14 ] days, ( 1 ) [ modify or delete ] the disputed information as requested. 
Enclosures : my letter dated XX/XX/2023 ; cC : CFPB ; FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquired on XX/XX/XXXX 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 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 2021-07-21
Company: Oklahoma Student Loan Authority
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two lower balance student loans. Due to covid I havent been required to pay them, the accounts are basically frozen. I havent been able to access them or pay on them whatsoever. Both student loans were in good standing. I understand the freeze on student loans was done in order to help in a time of need but the issue I have with this, is affecting my life greatly in a negative way. Before covid I had auto drafts to pay my student loans each month, totaling under {$100.00} combined. Since student loans arent requiring payment right now I can not pay on them even though Ive been fortunate enough to keep my job throughout covid. My issue is that I am trying to buy a home and now that I havent had the option to pay on either loan my balance has exceeded my credit limit for each loan, as well as a 90+ day late status on each loan. This is impacting my credit report significantly in a negative way. While I understand and appreciate the US government trying to assist those in need during covid I feel I am at a disadvantage. If I were to have the option to continue my monthly auto drafts my balance would be significantly lower, possibly paid off. I am requesting that this be looked at and removed from my credit report with all three bureaus. I am a law abiding citizen, I pay my taxes, I have a good career. I am trying to better myself and my family but this issue is affecting my credit report so negatively that I feel discouraged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System, Inc., as a debt collector for XXXX ( now apparently known as XXXX XXXX ) has renewed a bogus demand to extract {$140.00} from me without providing any evidence that I have ever had a contract or other business relationship with XXXX or evidence that the modem I hold in safekeeping is XXXX property. I was first contacted by I.C. System, Inc. about this bogus debt payment demand in XX/XX/2021 ; I timely and repeatedly responded by certified letters demanding evidence of a contract or other business relationship between XXXX and me or proof that the modem I have in safekeeping ( having been left in the apartment I had rented until XX/XX/2021 ) was XXXX ' property. No such evidence or proof was ever provided, nor was any attempt made to explain the absence of such evidence or proof. 

Nonetheless, I.C. System and XXXX have just renewed their harassment to extract money from me without evidence or proof I owe anything or have property that is owned by XXXX. Such efforts to collect bogus debt on false pretenses must be stopped. No consumer should be put to the expense in time and money to address such fraudulent efforts to extract money without evidence or proof that the consumer has any obligation.

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 2023-07-17
Company: SYNCHRONY FINANCIAL
State: RI
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:
See CFPB Complaint XX/XX/23. 
The attached files all show how I was able to deduce the main gist of this complaint. That credit reporting agencies ( CRAs ), and sometimes Credit furnishers ( CFs ), and some collections agencies grossly abuse their status and position in their perspective industries by manipulating individuals credit reports with either outdated, incorrect, or sometimes manufactured information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account

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 2022-11-12
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im reaching out concerning Experian Credit Company disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent Experian has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide XXXXXXXX XXXX XXXX with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that XXXX XXXX XXXX XXXX XXXX XXXX all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations XXXX XXXX XXXX and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXXXXXX XXXX XXXXXXXX. Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company

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 2021-07-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHRONY BANK HAS DISCRIMINATED AGAINST ME BY CLOSING MY ACCOUNT THAT I HAVE HAD WITH HSN FOR THE PAST 9 YEARS SYNCHRONY BACK TOOK OVER AND IN ONE YEAR THEY CLOSED MY ACCOUNT. DURING A GLOBAL PANDEMIC WITH NO REASON. 

SYNCHRONY BANK SHOULD BE INVESTIGATED AND CLOSED DUE TO THEIR AGGRESSIVE ILLEGAL BUSINESS TACTICS. 

I DEMAND THAT MYACCOUNT WITH HSN BE OPEN SYNCHRONY HAS CLOSED MY ACCOUNT FOR A FRAUDULENT REASON THEY HAVE BEEN PAID AND THEY ARE LYING AS TO THE REASON THEY CLOSED MY ACCOUNT. I WOULD LIKE SOMEONE TO LOOK INTO THIS DUE TO THERE FRAUD AND TREATMENT OF MINORTY CUSTOMERS LIKE ME.

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 2022-05-01
Company: Experian Information Solutions 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 credit Reporting act THE XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-04-09
Company: The CMI Group, Inc.
State: NC
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:
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all

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 2022-09-06
Company: Experian Information Solutions 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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}

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 2021-07-03
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from Credit Collections Service on behalf of XXXX. While I didn't agree with the debt, I was in the process of getting a mortgage so I decided to resolve it. I paid the full amount of {$550.00} in XX/XX/2020 with the understanding the collection would be deleted from my account. I understand they normally only update the account as paid in full so I was very clear and adamant I was only paying the collection if it was to be deleted like it never ever happened. If they weren't willing to do that I would have settled for less or just not paid it as the damage was already done. The representative confirmed it would be deleted and took my payment for full. I waited up to 90 days like I was told for the changes to appear on my credit. To date the account has not been deleted. It is marked as paid in full but that isn't good enough to get a mortgage. I tried disputing this with all three credit bureaus but my dispute came back as verified. I contacted CCS numerous times. My internal account number is xxxxxxxxxxx. I asked for them to provide me a copy of the recording and review the account. They refused. I paid until false pretence and expect this to be deleted or my account to be refunded. They have refused either solution. I was lied to and this is fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2021-10-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted an employment certification form in XX/XX/2020 but it has not been processed yet. I am not getting credit from XXXX through XXXX for my employment. I have tried to call them several times but I've been on hold for over 2 hours. I need to speak to someone because I have questions about my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: WA
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 

Also prove a monthly statement was provided at least 21 Days prior to the due date of the bill. I received no such bills at my home address and have never agreed to receiving exclusively digital communication as a means of being billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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