BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
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:
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX has not been able to present any documentation from XXXX XXXX XXXX  stating that I still owe a debt to 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 2019-02-15
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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 2023-07-29
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had found out I had a debt from XXXX XXXX that was then sent to Penn Debt Collection. Penn had thereby neglected to send any notification of the debt owed to them to my address or any additional information about said debt in their possession including debt amount. Additionally, Penn has neglected to return disclosure of full payment amount to XXXX  in what could be considered a timely manner. For example, Penn collections has a XXXX business day turn around time for processing of debt payments. Informing XXXX of successful debt payment takes XXXX business days. At the end of the month, processing of payments are batched and held until the end of business on the last day of the month at XXXX. This payment information is not issued for queue to send to XXXX  until the business day. This information was collected from Penn debt collection agents directly. In essence, in order to clear a debt from an individuals account with XXXX is can take over XXXX business days or two weeks in order to resolve a debt. Due the Penns deceptive practices of non-notifications of debts in their possession, refusal to provide proof of debt, in addition to unnecessarily lengthy processing times on their end, they should be investigated for violating the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2007 i was contacted by XXXX, i was told i was going into default and defaulting on a loan would affect my credit adversely ( the dept of education would take any income tax returns i might be entitled to, and taking my social security benefit at retirement to repay the student loan ). I was unnerved and i did not know who to get valid information from. i contacted a lender provided by the dept of education and XXXX, the lender told me my best option would be to consolidate my subsidized and unsubsidized loan and that would stop the dept of education from taking my income tax returns and at retirement my social security benefit. I borrowed {$43000.00}, XXXX stop providing loans when i reached the {$43000.00} loan disbursement amount. I became behind in my expenses and my debt me to fall behind and eventually defaulting on my student loan. I received my student loan statement and my student loan debt doubled i was told i owe for the loan i actually borrowed from while i attended school but also for another loan that i did not borrow for. I am currently not non default and i received a loan schedule from Navient and my repayment amount has increased from {$360.00} to {$580.00}. I can not me those terms and I am being charged for a loan i did not borrow from or use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I co-signed for 2 vehicles for my children. One car was totaled but somehow he had a balance of XXXX they stated. The other car was repossessed both cars were purchase XX/XX/2016 and repossessed a year later my daughter couldn't afford to pay. They used my SSI for both incomes on two XXXX loans. And both of them had minimum jobs but they said they could finance anyway. Both of the loans are still showing up on my credit reports as open loans preventing me from any purchases and contours low score after 7 years. 
One car is XXXX XXXX says his balance is XXXX after his insurance stated they paid but Credit Acceptance states there is still a balance XXXX XXXX is the other car that was repossessed after year because she fell behind 2 payments and they wanted her to come up with 3 payments and later fees. I was able to help due to only getting SSI and also my own vehicle. 
please if you can assist me with this matter I don't think they ever intended to close these accounts thanks 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 2018-10-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX XXXX XXXX XXXX . 
Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 XXXX XXXX XXXX trying to collect on a debt I Do Not owe. XXXX XXXX, XXXX had sent an account to a debt buyer XXXX XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. XXXX XXXX, XXXX and/ or XXXX XXXX XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by  phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.

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 2023-06-09
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX Balance {$570.00}.

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I received results back from Transunion stating that they verified a bankruptcy with the Circuit Courts of XXXX Virginia for XXXX case XXXX. Well, I have proof that the courts don't prove anything nor report anything to the consumer reporting agencies ; I also have a letter from XXXX, a third-party vendor the consumer reporting agencies use to verify public information stating that no public record exists in their system. Transunion may also try to say they verified this information with PACER which is a direct violation of the Privacy ACT of 1974. The act states the following : The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Since the courts are the ones who hold these records and they don't report anything nor verify the information I am to assume Transunion is ILLEGALLY reporting things about me and is a violation of the LAW.

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 2023-08-20
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts- XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX has been violating 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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of 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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can't sign in my online banking since XXXX this year just because I tried to send XXXX dollars tomy friends. When I call the bank of America customer service. They said they can't solve that and I need to come to the bank counter. When I came into the bank. The manager said they can't unlock my account I need to call the customerf service and transfer to security department. When I contacted the security department. They said they also can't solve that. I need to come to bank!!! 
All these staff didn't help me and let me to find others? What should I do. I just want use my online banking. 

Bank of America tooooooooo bad

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 2023-06-09
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:
I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX/XXXX  XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number XXXX XXXX Please Delete 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 2023-04-19
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Amount Date Opened XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$25.00} XX/XX/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 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 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 2020-07-04
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft. I have notified this bureau and they have not acted according to the FCRA 605 B.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing to request the removal of an account from my credit report with XXXX and Transunion. I have recently discovered that this account has been successfully removed from my credit report with XXXX Information Services, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX  It is imperative that XXXX and Transunion update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.

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 2019-02-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for Care Credit in XX/XX/XXXX to use for a medical procedure. I was approved and given the payment amount and timespan by my medical provider. I was billed for my first month of payments due in XX/XX/XXXX through Synchrony Bank. I linked my bank account to the credit account for my payment to be automatically taken out and I was told it was a valid account to use to make my payment. A payment was taken out of my bank account on XX/XX/XXXX, but according to the history on my Care Credit account, it was immediately returned. I did not receive any email notification but instead a letter that was received 11 days later on XX/XX/XXXX. I called Care Credit to fix the issue and asked for the late payment be returned since I did have sufficient funds in my account and Synchrony was the one who decided to return my payment. They reversed the late fee and I added my account once again to automatically pay my payment. Once again on my next scheduled day of payment, XX/XX/XXXX, the payment was taken, rejected, and returned. I called a second time on XX/XX/XXXX to make this payment. I was told the payment was accepted with me giving my bank account information to the customer service representative. According to my history on my Care Credit/Synchrony Bank account, it was rejected immediately and returned. I once again got another late fee on my account that was not due to my lack of ability to pay on time but Care Credit rejecting my payment. On XX/XX/XXXX, I called Synchrony 's customer service line again and asked to speak to a manager hoping to get this issue resolved once and for all. He was very unhelpful in stating that he couldn't help with billing issues and saying my bank account was rejected because of insufficient funds. This is untrue as I do have sufficient funds to pay my payments several times over.

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