BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: OK
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 /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX. account XXXX XXXX, XXXX XXXX XXXX account # 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 me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in 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 2020-02-08
Company: Synergetic Communication Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synergetic Communication, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IDXXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX  XXXX XXXX County XXXX XXXX , New York [ XXXX ] U.S.A This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). 

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 


I demand the following accounts be verified and removed immediately. 


In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX XXXX XXXX, Ens legis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-17
Company: Delev & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
DELEV & ASSOCIATES , LLC violated my federally protected consumer rights. 

PER 15 U.S. Code 1692e states that the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

I have been receiving letters and phone calls from DELEV & ASSOCIATES , LLC in reference to a " DEBT '' from the University XXXX XXXX. Every time this company contacts me, I am distressed believing that I am going to have to go to court or even my wages garnished. This company has TAKEN my STATE OF OHIO tax refund for MUTLIPLE years to apply to this said " debt ''. 

The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: AL
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:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX  is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I filed a Consumer Financial Protection Bureau complaint ( complaint # XXXX ) against Transunion. The investigation was complete on XX/XX/2022 and the XXXX XXXX  account that was on my transunion report ended up being deleted, I recently checked my credit karma transunion profile and it says that my XXXX XXXX  account was closed on XX/XX/2022. How did the account go from being deleted from my consumer report on XX/XX/XXXX, then about XXXX weeks later it's reported as closed? this is inaccurate credit reporting and i request that transunion delete the account from my consumer report instead of having it reported as closed. I've attached proof below.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: PA
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 do not recognize how account XXXX XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a charge-off on my credit report, however I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by Experian. This is inaccurate information and must be removed immediately. I am entitled to fair and accurate 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 2023-05-20
Company: EQUIFAX, INC.
State: IL
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 look at my credit report and seen an account that is not mine its XXXX XXXX  bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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. This collection found within my credit report 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 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 2023-05-20
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: Problem with personal statement of dispute

Complaint:
In the results of your first investigation, Equifax stated in writing that they verified that the item is being reported correctly? Who verified the account? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: IL
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've previously disputed that this Bankruptcy account from the US bankruptcy court XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the US bankruptcy court XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXXXXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
Tried getting my credit score with transunion and they informed me that I will be charged a fee for that information. Completely unethical in my view. And I inturn can not access my transunion file.

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 2022-10-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent account had money deposited into it. Im guessing false checks and more things of that nature, the bank has since sent collection notices to my home and has negatively affected my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, 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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EdFinancial Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I asked for a refund for the amount I paid during COVID. This was about a month ago. XX/XX/22 and I have gotten no word from them besides it will be processed. They didnt tell me how it would be processed and I need my money back for emergency expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: MD
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; LA XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2023-09-19
Company: Waypoint Resource Group, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my XXXX via XXXX XXXX and noticed my score keeps going lower and found how to review negative remarks. I see Waypoint put XX/XX/XXXXXXXX  as I am late on a collection but I never received any debt notification. I called waypoint and they stated they mailed it to XXXX in XXXX. I stated I have lived in Georgia since XXXX. I disputed the late amount but the representative did not offer to resolve or was unwilling to remove any remarks stating I was late on this debt that I was never mailed about and have not received any information regarding the debt. 

I have audio proof I called XXXX today to get the number of this agency and then audio proof of speaking with the representative stating they mailed to XXXX, MN when I have lived in XXXX, GA at the same address for 4 years. On the entire audio call I stated to the representative I dispute the late mark and she didn't offer any resolution on this mistake. 

I am disputing this remark with all 3 credit unions as it is unfair practice to state this is a year old debt that has not been paid when I have never received an mail on this due to them sending to the wrong address. Therefore this is not late and needs to be removed.

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