BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple XXXX bills on my reports I am asking for full removal of all XXXX collections from 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 explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
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 six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

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 non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2021-07-07
Company: AMERICAN EXPRESS COMPANY
State: IL
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, has violated my rights. 

15 USC1681 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 instruction.

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

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 2018-10-15
Company: EQUIFAX, 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:
Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX  XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: MO
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:
I have been calling XXXX  & Equifax regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Per Experian on my last complaint : See complaint XXXX : " We sent a copy of the Experian credit report on XX/XX/2019 based upon the original request, but we are in the process of mailing another Experian free credit report on XX/XX/2019. Because Experian has met its obligations under the FCRA, we must respectfully deny your request for compensation at this time. " -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Too bad, Experian failed again. This makes 3 times failure! 
Strike 1 - returned my letter unopened, Strike 2. Failed to mail credit report of XX/XX/2019. 
Strike 3. Fail to mail credit report of XX/XX/2019. 

I suggest you use a different mail system, such as XXXX or XXXX. However XXXX  and XXXX  have been successful with mailings to me the regular way along with the IRS. 
In good conscience you should also reimburse my mailing cost of XXXX XXXX denied because you falsely stated you mailed my credit report on 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 2021-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has never provided an online credit report to me. The questions provided about my credit usage to confirm my identity do not apply TO ME. Then I have to call them or mail a request. Totally unsatisfactory. This leads me to believe they have bad information or contaminated information about my credit. Please refer to the many many comments all about the lack of response from Equifax to fix their system to provide what is required by law. Please MAKE EQUIFAX FIX THEIR SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX # XXXX, has violated my right.I have a right to privacy.Also state consumer reporting agency can not furnish a account without my written instructions. 
I do not own this debt.I dispute the validation this debt from credit bureau.I 'm not liable for this debt with XXXX XXXX do not have contract with them.They did not provide me with the original contract as I requested and a detailed statement of the amount the claiming.

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 2018-10-15
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:
I disputed a collection account thats reporting on my credit report. The agency said they have deleted the account but XXXX  and TransUnion refuses to remove the collection account off my credit report. That is a violation and needs to be investigated. I have proof that the agency deleted the account. XXXX   removed the account but TransUnion says they wont remove it but it is a valid account. XXXX  said the same thing even though the agency deleted it so it shouldnt be reporting.

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 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
My consumer file has an unauthorized inquiry that i received no benefit from, from Navy Federal Credit Union on XX/XX/2022 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: NY
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:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Navient Solutions, LLC.
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:
Navient is reporting 8 student loan accounts across all three bureaus ( XXXX, XXXX  and XXXX ) unlawfully. Navient has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent Navient an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to Navient via Certified Mail with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX {$4000.00}

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and/or Transunion ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


Transunion ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per sXXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, 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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Im accordance with the fair credit reporting creditors have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 second 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my worries 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 2022-09-01
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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