BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
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: Information belongs to someone else

Complaint:
fcra violations : and HIPPA not mine : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX no creditors : Original creditor : {$330.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$330.00} - Payment Info Original balance - Balance {$330.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements - XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$70.00} - Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Payment Info Original balance - Balance {$70.00} Status - Status date XX/XX/XXXX Additional info Comments Placed for collection Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} - Payment Info Original balance - Balance {$1100.00} Status - Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact POB XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions 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:
[Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2022-05-02
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX  account # XXXX - XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Date : XX/XX/2022 Bank of America Acount Ending in XXXX Case Ref Number XXXX My name, we've made the decision to close your deposit account ending in XXXX because we're unable to verify your identy.

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 2017-11-03
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years I have gotten daily messages on my voicemail from " XXXX XXXX '' at Municipal Service Bureau saying he is calling to collect a debt. 
The calls come from phone # XXXX. I do not have any outstanding debts. I researched this on the internet and discovered this is a scam. Is there anything you can do to make these calls stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment and through background check ( XXXX/XXXX/XXXX ) I was notify their was an eviction on my record XXXX Bank of Amercia, foreclosure property, XXXX XXXX XXXX Ga XXXX. I did live at this residence as a guest, briefly ( I never had any ; lease, mortgage, or any type of financial obligation to this property ). 
I moved in XXXX ( purchase home XXXX XXXX XXXX XXXX ga XXXX ). I reside in my home from XXXX until I sold it in XXXX. I was not living at this property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) when this eviction notice was serve and should not been listed as resident, I had long moved. And I do n't /did n't have any type of mortgage with them. I tried to this with BOA, no help. Also with XXXX XXXX they informed they just serve papers, they do n't verify we 're the names are correct. So I need help getting this wrong eviction off my 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 2017-07-28
Company: Experian Information Solutions 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:
Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD 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 2021-07-22
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian XX/XX/XXXX Report # XXXX in reference to my car loan with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. XXXX XXXX  refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to Experian. Experian reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at Experian who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.

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 2022-05-02
Company: Experian Information Solutions 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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX - XXXX account # 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 2018-06-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchase a used car at a used car lot. Santander Consumer USA was the only agency that would lend me the amount I needed XXXXXXXXat 25 % interest. Once I got on my feet and able to make the necessary payments which I did I needed to refinance the loan. they say they do not allow refinancing. 7 years later after making all my payments I still owed XXXX XXXX. I finally went to XXXX XXXX who accepted the trade in of my XXXX XXXX XXXX with XXXX miles on it for XXXX XXXX Santander is a predatory lending company and took advantage of me and my situation to make a profit. I have paid XXXX XXXX for that car over the last 7 years. I am finally out from under the car. Thank XXXX. What a mess! I have heard about all the class action lawsuits. I should of been a part of them. How do I go about getting some of the money back for the predatory lending and the harassing collection calls when I did fall behind? 

They also front loaded the interest which kept my balance owed extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient failed to provide us with viable options to repay student debt. Loans sat in forbearance and deferment or were delinquent for 7 years. During that time we accrued over {$17000.00} in interest. We are unable to pay these loans and Navient will NOT help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I recently sent TransUnion a copy of my Police Report & FTC report. Included in the report shows that I have been a victim of identity theft. XXXX is one of the accounts. According to FCRA 605B they are to block item within 5 days instead they placed it under a 30 day dispute.

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 2021-07-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX  between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX  and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: National Credit Systems,Inc.
State: CO
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX I received a letter dated on XXXX XXXX XXXX Voss and Klein LLC for a debt that I do not know anything about. Their client is XXXX XXXX XXXX XXXX which they were the property managers of the old address that I used to reside. I had to answer to court and I paid all that was owed to the clerk of courts. I left that property in great condition and I moved elsewhere. There I received this harassing letter months later that I was supposed to pay off within XXXX XXXX XXXX. There is no way possible I owe that much money because I am an honest person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection company reported an ALLEDGED debt on my consumer report. They never gave me the 5 requirements of validation of the debt or even a notice of the debt. This is a violation of 15 usc 1692g. They are also furnishing my report and creating misinformation of my character and this is also considered abuse which is also a violation of 15 usc 1692e and 15 usc 1692d. They are using unfair practices in constituent with 15 usc 1692f because they are furnishing my credit report for a means to collect an ALLEDGED debt which is also illegal. As a consumer I can only validate debts which I do NOT validate. This collection agency also collected my information from another company who said i owe this ALLEDGED debt without my consent which is also another violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AFNI INC.
State: CO
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:
On XXXX I sent a letter to validate that this alleged debt reporting was in fact mine. on XX/XX/2021 They responded with a generic letter stating that they verified the account, which by no means does their letter validate that this was me that had this account. I sent a letter to follow on XX/XX/2021. 

They are re-aging the account monthly- which is illegal to do so, and an FCRA violation. 

Please see all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX XXXX -NOT MINE, XXXX  XXXX  XXXX   XXXX -NOT MINE, XXXX  XXXX  XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX   XXXX-XXXX-NOT MINE, XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,

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 2017-06-30
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.

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 2017-10-22
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: Information belongs to someone else

Complaint:
XXXX and XXXX XXXX XXXX, XXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and XXXX says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: NCB Management Services 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: Information belongs to someone else

Complaint:
XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

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 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trans Union, XXXX XXXX XXXX have allowed fraudulent attacks to my credit reports. I have lost more than 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