BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: VA
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 spoke to rep by the name of " XXXX '' with the office of Consumer Affairs with Equifax on XX/XX/18 approximately XXXX. 

I attempted to dispute a collection account with him. The collection agency is XXXX XXXX XXXX. I informed him that this account is being reported in error and that my insurance company had paid the original creditor. Then he puts me on hold for 30 minutes, only to tell me that this account was previously investigated. I never received any notification that the account was previously investigated. He then tells me that he is going to call me back. I tell him it's been my experience that no one from Equifax has ever called me back. 

I also ask him why I can not use any online functions to which he says that certain people from time to time do not have access due to fraud activity. I ask him to tell me when I will be able to gain online access, to which he gives me a canned, non answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America ran my credit twice for the same credit card. There are two inquiries listed on my XXXX  when there should only be one inquiry. The inquiry for XX/XX/2019 is an error

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 2018-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.

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 2018-02-23
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. 
I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 
1- I never authorized XXXX XXXX XXXX to perform any tests. 
2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 
2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 
4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Trans Union continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 4 complaints total ) were closed without investigations or removals of these items. However, documentation supporting the items remaining on my credit file were not provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX , XXXX, submitted a letter for the removal of these incorrect items. No response from Trans Union. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Trans Union HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Trans Union attached ) Account NumberXXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened:XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that XXXX remove these 4 incorrect items from my credit file per the FCRA.

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