BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: DLC, LLC
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Online my offer was higher, I continued and was told to call and the price then changed, so I asked if I could talk to some who knew of TILA and the lady said she didn't, so i wanted to be connected to some one who did, nd they say because they are not a bank they dnt have to follow cfpb regulations, and then said i was denied because of things not related to credit but they couldnt produce a time i called their institution for something other than credit or loans, and all i did was assert rights nd the " reginal ) manger said because i did they have they right to denie my right to equity, they didnt make it clear to me what the reason was, but i was discriminated agianst and the told me i was not the holder in do course, I suffered mental and financial damages because of this company misconduct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

The letters are stated with items and issues. 

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 2023-06-08
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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2022-06-10
Company: Financial Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company Financial Recovery XXXX is now reported it as a NEW RECENT COLLECTION ACCOUNT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Opened a Synchrony - issued secured amazon store credit card on XX/XX/XXXX. The card worked immediately for my first purchase, but then started to be declined by the issuing bank when I tried to make any additional purchases. Contacted amazon, they informed me I had to contact the issuer. I then contacted synchrony, they said it was an amazon error. Attempted this a few more times, getting bounced back and forth as both companies passed the buck, until finally deciding to cut my losses- I contacted synchrony later that day on XX/XX/XXXX and told them to close the account and refund my security funds deposit to my debit card. As shown in the screenshot attached, they attempted to claim that they were completely unable to process electronic transactions, despite having taken my deposit via debit, and could only possibly issue a paper check in 10-14 business days once the account was finalized closing. This would have allowed them to hold my assets for an inestimable period of time, while forfeiting no interest earned or written documentation of timeliness or procedure. I then called them again today, XX/XX/XXXX, and insisted on speaking to a supervisor after the first rep tried to make the same claim. I read them the specific lines of Section V. of the cardholder agreement provided and signed to open the account, also publicly accesible on the synchrony website, which gives ACH as an example of an " approved method '' of deposit returns, as well as paper check. It is also explicitly written in this section that the delivery may be stipulated by the cardholder of any such approved methods. The supervisor on XX/XX/XXXX then finally conceded the information that since the deposit is still a pending charge and was made electronically, it would be automatically returned electronically within 7-10 days. This felt like a dismissal and a callous attempt to get me off the phone, as synchrony has been unwilling to provide me any such notice in writing or otherwise documentable. They have already attempted to contradict their own expressly written terms, and are able to indefinitely profit by lending my funds elsewhere. The debit charge reversal required to satisfy this matter is absolutely a trivial function of any merchant account, and there is no excusable reason for a financial institution to be allowed to continue such predatory and exploitative practices without any accountability to consumers.

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 monetary relief
Consumer complaint received 2019-11-21
Company: Credit Corp Solutions Inc.
State: NY
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 went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX  and my XXXX  as well then its another account that just on my XXXX  and it is Credit corp solution in the amount of $ XXXX date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-06-08
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021, Transunion. I disputed a account on my credit report that was inaccurate. By law 15 U.S code 1681 Transunion can not have inaccurate information on a consumer credit file. I noticed the XXXX XXXX was reporting an alleged collection to my Transunion consumer credit report. I mailed Transunion by certified mail the dispute and told Transunion to delete this account because it was inaccurate. I stated that a collection account can not show a BALANCE. Transunion mailed me the investigations results and now my report shows the BALANCE as XXXX. That is a clear violation of the law. I want this account deleted immediately. I have attached my Transunion documents and dated XX/XX/2021 and XX/XX/2021 as proof of Tansunions violation of the Fair Credit Reporting Act.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2021-12-17
Company: CONRAD CREDIT CORPORATION
State: TN
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 was looking at my credit report because I was trying to see why my score was going so low and looked at this company that I never seen before on my credit report that was reporting that I owned them money from going to some type school but I havent been in college in over 20 years so this has to be a mistake. So I sent them a dispute letter by certified mailed on XX/XX/2021. 
Asking them to Validate that this debt belongs to me, By providing verification of the debt Which they placed on my credit report without me knowing about it! 
They never Validate that this debt belongs to me by contacting me by mail or phone and I have proof they received the letter from the mail. But this company keeps reporting a false debt to the credit bureaus with XXXX and XXXX which I have dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I am currently overseas. Chase bank sent a letter to my home ( in XXXX I believe ) requesting that I send in an ssa-89 and w-9, in order to verify my social security information. Since I am overseas, I did not receive the letter. Chase bank then closed my two credit card accounts on XX/XX/XXXX, without warning me. They did not call me, send me a message via their site, or email me. My account was closed ( I did not realize ), and then my card was declined. I called up customer service to find out why my card was declined, and they informed that my account was closed because I did not send in the documentation they requested. After explaining that I was overseas and therefore did not receive the letter, they told me to send in the documents to them and that they would re-instate my accounts. I sent in the documents via fax, secure message, and mail, and since then they have not re-opened my accounts. I have spent numerous hours on the phone with different branches of their customer service and supervisors, and none of them have helped. They either say it's back office and they can't help, or that they're missing the documents ( while other representatives say they have them ). I have sent them messages, documents, faxes etc. for 5 weeks now, and yet they refuse to help, and my accounts are still closed. Not only did they leave me abroad without cards, and effectively take away all of my rewards points, they also ruined my credit score so I can't even apply for a new card right now. 

Thank you for your help, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The three credit unions TransUnion, XXXX XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX 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 2021-01-25
Company: PNC Bank N.A.
State: VA
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:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/XXXX balance Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK XXXX XXXX XXXX OK OK Equifax OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: NY
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:
By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts listed below have been reporting for more than 10 years on my credit report by Experian These accounts must be DELETED. 
1 ) XXXX XXXX XXXX  Account 2 ) .XXXX XXXXXXXX XXXX XXXX  Account

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 2020-11-04
Company: Shellpoint Partners, 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: Account status incorrect

Complaint:
When Covid first started back in XXXX, I asked my mortgage company ( Shellpoint Mortgage Servicing ) if I could put my loan/home in forebearance. They allowed me 3 months which were XXXX, XXXX & XX/XX/XXXX. During this time, knowing they were going to expect a full payoff of the 3 months payments, I spoke with XXXX XXXX that was handling my account and asked her if the 3 months forebearance period could be deferred. That request was also granted. In the beginning of XXXX, I decided to refinance my house at a much lower interest rate. Soon after submitting all the information, my prospective new lender told me that Shellpoint had reported 90, 60 and 30 day late payments to the credit bureaus. I was absolutely furious, as I have never made a late payment on my mortgage. I contacted Shellpoint who acknowledged this was THEIR error and that it would be fixed when they reported at the end of the month. Yesterday, I found out that that request was closed because the gentleman didn't complete the correct information. I have called, and called and called trying to get this error on the part of Shellpoint fixed so I can move forward with my refinance but I can't get ahold of a person to speak with. I can only e-mail which I have 3 times and never get a response. I'm at my wits end with this company. I just want them to fix my credit report and remove the derogatory information they reported. I don't see how it's that difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation