BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I previously filed a complaint with the CFPB on XXXX. Complaint # XXXX. It was supposedly resolved on XXXX. They promised to correct their mistake and remove my information from their files. They promised me personally over the phone on XXXX as well as your Bureau on XXXX. 
They have started to contact me again on XXXX. This was an email from XXXX. They demanded I contact them by XXXX XXXX today to make payment arrangements on account. As you can see from previous complaint, I have NEVER had a student loan my entire life. Obviously they are harassing me and does not worry about CFPB doing anything to them. Maybe something can be done this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive contacted TransUnion to get inquires removed no action was taken

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 2022-12-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/2022 to XXXX, XXXX and Equifax. However it's been more than XXXX  days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ATG Credit, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  UNIVERSITY IS TRYING TO COLLECT MONEY, FOR A CLASS, WHICH I NEVER ATTENDED. I MERELY INTRODUCED MYSELF, TO THE CLASS. THIS IS ALL OF THE ACTIVITY, I HAD TAKEN, IN THE CLASS. I NEVER COMPLETED AN ASSIGNMENT AND WAS WITHDRAWN, FROM THE COURSE. I SHOULD NOT OWE ANY AMOUNT OF MONEY, FOR THE CLASS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2020-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
reach out to to both creditor and credit reporting agency no respone to having this fraud account 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 non-monetary relief
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2023-08-14
Company: Avant Holding Company, 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:
AVANT LLC/WEBBBANK, XXXX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The company had been calling all throughout the year during the pandemic. I told them I didn't have the payment amount so I would pay them when I got the funds or found a better paying job because I was catching up on large utilities. I had had a major repair needed in my home during the winter time of XXXX XXXX XX/XX/XXXX and also was still dealing with the effects of my car burning to the ground in XX/XX/XXXX. 
They said okay and asked me to pay the smaller of the two bank cards. I paid it off and started to work on the next one and they closed the account. 
Since the agreement was verbal and over the phone, they never sent me documentation of it. 
After, I got a hold of XXXX XXXX XXXX and we were writing a proposal deal to their company. When we called them, they offered a Customer Assistance Plan which they developed way later in the pandemic. I reviewed both offers with the XXXX XXXX consultant and I opted to take Synchrony 's CA  plan. Now they're calling me today, stating that I owe them money of {$200.00} overbalance on my account and sent my account to collections per my credit monitoring services. ( Which doesn't make sense because when I log into the account, it shows that I don't owe them a payment till XXXX for {$57.00}. ) Sychrony appears to not be honoring their agreement and has wrongfully sent the account to collections ( which was not in the agreement when the account was changed to the Customer Assistance Plan ). 
It's been over 30 days since the agreement was made and they are calling me today on a collections call on 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like these accounts repaired ASAP : XXXX XXXX XXXX XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : 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 2020-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | XXXX : XX/XX/1970 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly

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 2023-09-10
Company: National Credit Systems,Inc.
State: FL
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:
Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida

Company response to consumer: Closed with explanation