BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request.

I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full. 
Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports. 
Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation. 
When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus. 
I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed. 
Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: GA
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 not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-16
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 is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 



XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXI POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX 
POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX US DEPARTMENT OF EDU POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX DEPARTMENT OF XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
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:
Chex system has violated me yet again with their last response as well. I am still suffering financial injury and my reputation has been completely destroyed by Chex system especially during these unfortunate times of this Pandemic. 

I am seeking remedy and have attached my request inside this complaint. The Fair Credit Reporting Act was designed to protect me as a consumer against unfair practices of credit reporting agencies such as Chex Systems. Who have continually violated me by privacy breach as well as reporting consumer transactions and experiences that the FCRA specifically stated are NOT to be furnished on my consumer 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 2023-06-17
Company: EQUIFAX, INC.
State: MA
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 writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/2023. To date, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Equifax has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account Account XXXX : XXXX Equifax has provided inaccurate information regarding the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: EQUIFAX, 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:
On the date XX/XX/2021, I requested that Equifax remove several accounts. On the date of XX/XX/2021, I received a response from Equifax which is Nine days past their time to respond. I've made it clear that Equifax was committing multiple violations according to the Fair Credit Reporting Act. Pursuant to 15 USC 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Notice How Congress did not define " Privacy '' under the Fair Credit Reporting Act. Therefore, my rights to privacy have been compromised as I am a private consumer, I never gave consent for Equifax to furnish anything. I have you know that No Consent is considered identity theft. This is Equifax first violation, let 's move on ...

According to 15 USC 603 ( 2 ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card pursuant to 15 USC 1681 is the same pursuant to 15 usc 1602 ( I ). The term Credit Card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress said ANY card. The Credit card I am referring to is my social security card, which is the credit card I used to originate the consumer credit transaction. This is Equifax Second Violation.

Furthermore, Pursuant to 15 USC 604 ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Notice how it says written Interactions of the " consumer '' I never allowed or given my consent to Equifax to furnish anything about me. I make it known, according to 15 USC 616 Civil liability for willful noncompliance ( a ) Any person ( The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Mobiloans, LLC
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:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 
2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXXXXXX XXXX XXXX XXXX unauthorized, unknown 8.XXXX Mobiloans XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} million for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXXXX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX  Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21 XXXX : XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21 IXXXX XXXX XXXX XXXX XXXXXX/XX/21

Company response to consumer: Untimely response
Consumer complaint received 2022-11-07
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to contact and get an explanation from my lender as to why my escrow account is- {$8100.00}. They refuse to give me an audit or date or explanation. 

I lowered my homeowners insurance from {$4700.00} to {$3200.00} annually. 

I made a $ XXXX payment to escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: MA
Product: Credit reporting 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 checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from US bank, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries 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 explanation
Consumer complaint received 2021-04-03
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2021 I contacted Resurgant Capital ( Lvnv Funding LLC ) regarding a collection account which is being reported against me ( account ending in XXXX ). I have made numerous attempts via mail to dispute this account and requested that this debt collector investigate my dispute since this account was not opened by me nor did I benefit from its creation. I spoke with an employee named XXXX who informed me she could not speak to me or provide me any information related to how to submit an identity theft report to Resurgant. She claimed that my file was locked and she was not permitted to disclose any information that would assist in resolving this fraudulent collection account. As of today this account is still being reported to all 3 credit reporting agencies even though I have informed this company this account is not mine furthermore they are refusing to assist in processing my request regarding identity theft. The tactics which are being employed to prevent the victim to resolve this inaccuracy are appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Steel River Systems, LLC
State: LA
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:
Recently submitted a complaint, which was closed and needs to be reopened, XXXX. XXXX XXXX 's fraudulent solution to exposing consumer to identity theft is a subscription to a credit monitoring service that does not work. In the article attached it shows XX/XX/2023, Identity Thieves Bypassed XXXX XXXX to View Credit Reports. You have done nothing to fix the issue you create which is why I will be filling a lawsuit, if these violations are not rectified. 

As stated before, XXXX XXXX XXXX has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt XXXX can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to settle for {$5000.00} immediately. They claim to care about data privacy and security, but they are trusting another company can't protect themselves to keep consumers from being at risk.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the fraudulent hard inquiries on my credit report from XXXX - XXXX XXXX from XX/XX/2022 and XX/XX/2022. Attached is the letter from XXXX requesting/approving the removal of the unauthorized hard inquiries.

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 2023-05-13
Company: EQUIFAX, INC.
State: IN
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:
In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: RentDebt Automated Collections, LLC
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Rent debt automated collection XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation