BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have 6 synchrony store cards which are current or paid in full. 2 cards has been closed by synchrony with no explanation and I had to call to have them send an explanation. The 2 cards are for XXXX and Lowes. I did advise synchrony in 2022 when i was laid off of my job and was out of work from XXXX, but was managing my accounts so that they would not default. My lowes card was the first card they closed and last month my empire card was closed, which this account was never late. These closed accounts has been reported negatively on my credit reports.

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 2023-05-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX  : 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 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 non-monetary relief
Consumer complaint received 2017-09-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern : Im filing this complaint because NationStar/Mr Cooper is once again, trying to fraudulently foreclose on my owner occupied property.! They promise to resolve this problem before! They said they would take 30days to give a FAIR REVIEW..! Instead we got a Unfair 3-5 day Denial, when they could clearly see that we should have gotten a modification that was affordable.. They can also see that we have the income for it, but they would just rather take our home anyway Instead! They have on their RECORD SO MANY FALSE AND FOUNDED CHARGES.. To make us so guilty and unworthy, It should be crime! If I did not feel that I am right about this Whole situation, I would Honestly and Proudly walk away and leave it all alone.!!! But I can not just give up on being DONE WRONG..! This is all a simple fix, stop stonewalling us put us back on track of the terms of our XX/XX/2012 modification.. 
Allow us too get at least Two years of clean mortgage history and we Refinance out. 
drop all of those other charges put us back at the AMOUNT WE REALLY OWE $ XXXX. 
AND WE MOVE ON WITH OUR LIFE.!! No more court issues of pointing fingers back and forth at each other..!! And Most of All put all of my XXXX THOUGHTS AND ANGUISH, OVER HOW MY FAMILY HAVE TREATED!!!!! OVER THIS ENTIRE SITUATION YOU GUYS HAVE PUT ME THRU ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ORIGIN THIS DEBT WITH XXXX XXXX WHICH I HAD BEEN IN TOUCH WITH XXXX  DISPUTING THE AMOUNT AFTER COMING TO AND AGREEMENT OF AN AMOUNT THEY THEN SOLD IT TO A COLLECTION AGENY XXXX THE NAME OF ANFI AND I HAVE SENT LETTERS TO THEM ASKING THAT THEY VALIDATE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT. IT IS LISTED ON CREDIT AS AFNI INC ( ORIGINAL CREDITOR : XXXX ) IN COLLECTION AS DEROGATORY, DATE OPEN XXXX FOR {$1200.00} LAST REPORTED XX/XX/2020 DATE LAST ACTIVE XX/XX/2020 WHICH THE OPEN DATE AND DATE LAST ACTIVE THE SAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-26
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 am filing a formal complaint with and on the company TransUnion, from my understanding ( with what they have supplied to me in this letter XXXX that they are stating that the Virginia Bankruptcy Office in fact was the " data furnisher ( s ) who verified the information. This in fact is not true! Bankruptcy office by law do not furnish any form of information to the credit bureaus so they have lied. I have already verified that the bankruptcy court and I verified with other sources that this information isn't true.

Who is the data furnisher ( s )?????

What is the contact information????

Address/ Name/ the human person you reached and verified the information with???

Unverifiable information needs to be deleted ASAP. Which is enforced by FCRA.

I NEVER DISPUTED THE BANKRUPTCY. I submitted ONLY a request of MOV not a dispute. It was in bold and red letters! 

My rights have continuously been violated by TRANSUNION with these XXXX responses and disrespect for not respecting the fact that I DID NOT dispute but in fact requested information. Most importantly the fact that they lied about the source of " verification ''

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 2021-02-11
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland credit management is proceeding with a lawsuit without providing me verification of the debt. I now have 2 pending court cases in the State of Missouri. I have asked two separate times for the debt to be verified, once on XX/XX/XXXX and on XX/XX/XXXX. To date, I have not received verification and the lawsuits are active. 
Missouri Court XXXX and XXXX Missouri court website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an inquiry from XXXX on my report. I have NEVER applied for anything XXXX and never would. I dont agree with there practices. I called Experian and they are completely useless as always. They are impossible to deal with. They give me excuse after excuse. Call XXXX and others. I do this and get nowhere.

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 2019-12-06
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2022-02-18
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022 I was notified by the XXXX XXXX XXXX and Identity Theft Department that Bureau of Medical Economics had filed a negative collection report against me with XXXX. I contacted and completed the XXXX fraud and identity theft documentation followed by emailing through this company 's website that they were falsely making judgment and negative claims against me. I went on to explain that this was an accident injury case that was in litigation and that all medical providers agreed to a medial lien in pursuit of my sons compensation from the insurance company of the defendant. Furthermore, our law firm contacted XXXX and told them they had 24 hours to remove the negative claim against their client or we would file a suit against their company. The attorney went on to explain that it is unlawful to begin with to file a negative claim as a third party citing the Consumer Fair Act and that once again, unless they remove this immediately they would be at risk for a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the Equifax Data Breach. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Prepaid credit card through discover to help rebuild my credit. I was informed I was denied for a Secured Credit card for 2 reasons : 1. Past account held with XXXX. ( I never utilized this card nor did load the card for any monetary value ) - I was advised this account was closed in 2019 but no further information was provided. ( I believe it was due to lack of utilization ) 2. Denied based on past Bankruptcy. 

I have more than sufficient income to support a prepaid credit card to assist in the rebuilding of my credit but was still declined for such offer. I also took a hit in my fico score because a hard inquiry was done against my credit to qualify me not for an unsecured line of revolving credit, but a secured line of credit. As a consumer and one responsible for load a secured credit card to be utilized, I believe it is not only unfair to have a hard inquiry done for such an offer, but the internal lending policy walks a fine line of " XXXX XXXX '' based off the marketing materials sent to consumers on a daily/monthly basis. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
In accordance with FCRA ( fair credit reporting act ) XXXX Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an 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 2023-02-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: XOOM CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XOOM money transfer, a XXXX XXXX service ( head quaters in california ) has stolen money amounting to XXXX XXXX dollars from my checking account XXXX XXXX I have all proofs of money transactions that has been created by XOOM money transfer. The customer abused me and threatened me when i asked for my money and denied my claim. My bank account has been compromised and i had to start a new account in XXXX XXXX I am please asking please help me. I am a XXXX citizen without a job. I have substantial proof that XOOM has stolen money. Please call me XXXX. This money is to be paid for my daughters tuition. please help. 

Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
I only should have XXXX open account still from student loans. they were deferred and then consolidated. On this report, they show XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: LEXISNEXIS
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:
Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX XXXXWhich two of them ( XXXX AND XXXX XXXX confirmed the public record was verified by the court. I asked XXXX and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation