BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Synergetic Communication Inc
State: TX
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:
Letter from Synergetic Communication, Inc. 

XX/XX/2019. Attempt to collect a debt by a debt collector. 

Original Creditor : XXXX XXXX XXXX XXXX Balance Due : {$610.00} Settlement offer : {$150.00} Payment must be received by :XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Student loan started in XXXX  with Sallie Mae then they transferred over to Navient. Then a few years ago transferred to XXXX. I recently found out about a lawsuit with Navient. Id like to find out more about it. I know they went bankrupt and I was still sending monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This has removed 2 times and added back on and is causing unnecessary stress. Have asked to verify and they removed it and then re-added. Needs to be removed under the FCRA. Was removed XX/XX/XXXX and then re-added and also deleted XX/XX/XXXX and re-added again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX  XXXX, The claim # is : ( XXXX2022-XXXX  ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX ( Finance ) delete it from my credit report, XX/XX/, 2022 Hard Inquiry : XXXXXXXX XXXX ( Finance ) delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/, 2022 Thank you for your time and help in this matter. Sincerely, 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 2021-10-13
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:
One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. 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 explanation
Consumer complaint received 2019-08-07
Company: Collection Consultants of California
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I notified Collection Consultants regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered.

Account information : Collection Consultants XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Jefferson Capital dated XX/XX/21 stating I owe a debt in the amount of {$680.00} w/ a description of " XXXX MC '' and a settle offer for {$370.00}. The issue is I have no knowledge of such debt. It states due to the age of debt they are not allowed to sue me but I don't want any damage to my credit either. I didn't have any accounts owing anything. Please provide a copy of any contract I signed or please refrain from attempting to collect amounts from me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Carter-Young, 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:
XXXX is reporting a debt owed to the collection agency carter-young for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to Carter-Young collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX XXXX courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this account was deleted and removed from my credit report because of lack of verification of account but was place back on my report on XX/XX/2019 2019

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 2021-01-25
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: AR
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Was not notified of investigation status or results

Complaint:
I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However XXXX, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Violation of my rights and they refuse to honor the law that has be set. XXXX XXXX XXXX XXXX has denied my request 4 times and Transunion is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long

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 2023-04-10
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requests for Verification of debt sent to Credit Corp Solutions XXXX XXXX and XX/XX/XXXX via Mail. None of which have been able to be verified. Account still shows on my credit report and is a detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter dated XX/XX/23 signed by Attorneys for XXXX XXXX XXXX  , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : COMENITY CAPITAL BANK. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to 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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
To put it plainly someone has stolen my home. 
Kicked me out of XXXX XXXX XXXX unwarranted. 
XX/XX/XXXX. 
X husband XXXX XXXX knew full wel that I was to receive the marital home in our divorce. 
But since they found the Morgage loan null and void. He divided a new one with his bankruptcy And then assigned it to me. 
He files bankruptcy in XXXX two years after our divorce in XXXX doesnt show me as an owner or a debtor. Then slaps this fraudulent loan on me Forecloses and kicks me out. 
My identity is and has been mangled wrong into, no info, still shows me living at XXXX XXXX XXXX? 
I believe someone is using my equity in the house and I can get no help to straighten it out Please help me.. Im destitute,. Homeless and this constant harassment is costin me the ability to obtain gainful employment. Please

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 2021-09-02
Company: World Acceptance Corporation
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:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from World Acceptance Bank. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
REVIEW THE LETTER I SENT REGARDING THE INQUIRIES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: NJ
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 should go to a Supervisor, not just customer service, tey don't careand wont do anything. 
XXXX  reported derogotory information on my credit file. They charged it off. {$2500.00}, who would order this cheap stuff from XXXX XXXX 
I told them, tie aftertime, I didnt order. They said they have a tracking report. I've asked for two years for copy of the tracking report with my singature. They have not sent " tracking report '' to me but keep insisting that I ordered items # 1.They say items were sent to XXXX XXXX XXXX. XXXX NJ. 
XXXX XXXX XXXX is a auto business. I did not receive or sign for toys. Iasked for tracking of all items ordered and even the ones not paid for. I asked for delivery addresses, all of them. Never received information. I'm XXXX XXXX XXXX. I do not order toys, women clothes, etc. 
# 2. This account was opened from XXXX and they still updating my credit file as of XXXX. 13 years later. Mine or not, it should be off. Deleted! 
# 3. They said account was purchased from another lender. This lender instructed the three major reporting agencies to delete the above reference but someone at XXXX continue to report. They noted that they have no further obligation regarding this acount. I told them to investigate and they deleted the collection. 
( I will mail you the copy of letter ) XXXX will not send tracking, dates of items received or MY signature that I signed for items, as I have requested. 
I have contacted Experian, they stated information accurate, however information unrelated to your dispute has been updated. 
# 4. How can it be accurate, if it is not my account. They say I owed {$1200.00} but now I owe {$2500.00} which was written off. As of XX/XX/XXXX, they noted my credit file again as a collection. This acount is closed, not in collection, ( have copy ) and should have been deleted long ago, But they continue to report. I have wrote letter after letter with no help. Its show recent balance 0, but noted as Collection account which has dropped my credit score by atleast 30 points again this XXXX when they added collection back to my account. 
# 5.XXXX are trying to force me to pay for something I did NOT order! 
If they allowed a cousin, family member, XXXX, wife, son, daughter, X-wife, X- girlfriend, just someone/anyone to accept items in my name, I am not responsible. Iam not a XXXX buyer.I want this removed immediately, I've been trying for years already, so I decided to come to you for help. I talked to an officer, can not get a report from 13 years ago when account was opened. Please delete!

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 2023-02-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However Equifax is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.

Company response to consumer: Closed with explanation