BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: MRS BPO, LLC
State: NC
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:
XXXX XXXXAccount 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) XXXX XXXX-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only ) XXXX XXXXAccount 's Date Opened : XXXXAccount Current Balance : {$1200.00} XXXX XXXX-Account High Balance/Original Balance : {$10000.00} MRS BPO-Account 's Date Opened : XX/XX/ XXXX XXXX  Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX I was diagnosed with XXXX and immediately began treatment. The XXXX was hard on me mentally and physically. Then on XX/XX/XXXX, I lost my mom to XXXX and 9 members of my family contracted it as well. It was a horrific time for us. I contacted Synchrony Bank d/b/a, Sam 's Club, Care Credit, XXXX and Lowes. Most of these cards I have had as far back as XXXX and XXXX with no issues whatsoever. 
With all I was experiencing I contacted them because I forgot to pay them ONCE and when I discovered it, I contacted them less than 30 days later and began catching up.They began reducing my credit amounts from {$5000.00} to {$1300.00} and {$1200.00} and demanding more money. For instance, my Care Credit limit was {$7000.00} in XXXX. It is now {$1300.00} and the minimum amount due is {$120.00}. Same thing with Sam 's Club. This has made me look like an irresponsible consumer. I have been harassed through text messages and phone calls. I have received letters saying that I asked for a credit decrease and did not. 
My background in financial planning teaches me to never owe more than a 3rd.

Sam 's had a very rude and insensitive lady contact me after my 1st complaint ( erroneously mentioned ) who said they have the right to protect themselves. I advised her I felt their actions were intended to harm me and I informed them of my health crisis and my bereavement. She said I could reapply. I have several conflicting messages and contacts from them. Several times I was told to give everyone the same story and all would be restored. It got worse! Little by little since last year, they have been reducing my accounts and harming my credit even though my income has increased and I have consistently been in touch. I feel very harassed, have not been able to refinance because my score went from high 700 's to low 600 's. I am wearing with fighting them. 
Please help! 
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 2022-09-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXXXXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on 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 non-monetary relief
Consumer complaint received 2022-09-01
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:
In Accordance With The Fair Credit Reporting Act XXXXXXXX Account XXXX, Has Viotated 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

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 2023-04-04
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:
Disputed with Trans Union, XXXX and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on 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 2023-07-12
Company: EQUIFAX, 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:
Inquiries fraudulent in my report XX/XX/23 card assets in equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: 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-DEPT OF ED/XXXX XXXX XXXX,, has violated my rights. 

Account nameXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2021-01-05
Company: Receivables Management Partners, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from RMP SRVC LLC and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I contacted RMP SRVC LLC on XXXX XXXX and the account was not removed however it was only updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my consumer report from Chex systems stating that there is a credit inquiry from XXXX in the behalf of XXXX XXXX XX/XX/2020. On top it says viewed by others. Ive never gave written authorization / permission for this to be furnish on my consumer report. This is a violation of my privacy, to furnish something on my consumer report without my written authorization, as a consumer I have the right to privacy and XXXX systems violated that privacy by furnishing this inquiry without my authorization. 

XX/XX/2020 - inquirer XXXX on behalf of ally bank.

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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/F/K/A GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH XXXX XXXX  FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.

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: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
These people have been harassing me multiple times daily. I have 6 calls from them on XX/XX/2021 all before XXXX. They call me late at night. I repeatedly spoken with them and told them to stop contacting me because I am going through a legal process with the creditor they're claiming this debt is owed to. I have an upcoming court hearing this month for this matter. She would not identify who she was and was asking me to verify my information before she would tell me where she was calling from. Very rude!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXXEquifax/XXXX XXXX XXXXXXXX XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXX/Equifax/XXXX XXXX XXXX XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2021-01-05
Company: Siggi LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The loan was taken from Omni financial of Nevada, in which they have given the debt to a company named XXXX XXXX  XXXX XXXX. I spoke with a lady name XXXX XXXX on XX/XX/XXXX, she " stated '' that she has to put a request in for the manager to contact Omni in order for them to send me any statements or a copy of the contract. I was able to get their address which is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I did follow up on XX/XX/XXXX regarding if they were able to send me the statements and Omni told them " that they are not going to send out any documentation due to me being stationed in Hawaii because it was a personal loan through the Hawaii internet lending '' and they gave XXXX XXXX a " verbal '' of why I owe the money with no documentation. The total amount is {$8000.00}, and the account went into collections in XX/XX/XXXX. XXXX XXXX received the account with a balance of {$4800.00} and they are charging me {$3100.00} in interest and Omni is only willing to settle for {$6000.00}. 

As of today, XXXX  has the loan reported as a note loan that was closed on XX/XX/XXXX, and has been charged off since XX/XX/XXXX. The original balance of the loan which XXXX  has reported as of XX/XX/XXXX was {$3300.00} with a past due amount of {$8500.00} with an interest rate of 33 % I believe. I have spoken with a Jag attorney ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) he has requested me to submit a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Paysend US LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money through this platform and it can not be delivered because the bank in XXXX is not delivering money anymore. I contacted Paysend to let them know that the bank was no longer doing money deliveries and asked for a refund or to change the delivery location, I have called 6 times. All they tell me is that they escalated the matter to another department that is looking into the matter. They also tell me that they will send an email to the team letting them know I have called and asking them to expedite it. Every time I call I get the same response, however, they don't resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NV
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$630.00}

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 2022-10-11
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On 4 occasions over the past 2 months I have attempted to reach out to XXXX  to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report tacked on late fees and have begun harassing me with calls 2 to 3 times per day for the past 2 weeks.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act XXXX. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : 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