BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: PA
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 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 2021-02-18
Company: Service Finance Holdings, LLC
State: OR
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 XX/XX/XXXX I took out a home improvement installment loan with Service Finance Company to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XX/XX/XXXX XXXX XXXX failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with Service Fin. and they charged off the remaining amount of {$6500.00} in XX/XX/XXXX. In XX/XX/XXXX I applied for a home loan to purchase a new house. I was denied and told I had bad repayment and credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. I called and found that Service Finance reported the home improvement installment loan as a Real Estate/Mortgage loan. It will prevent me from qualifying for a home loan for 4-6 years!

I asked Service Finance to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' However because they categorized it as a real estate loan, XXXX and such must keep it in the mortgage section. Service Finance told me it is impossible to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call in the middle of the work day yesterday from a " Process Server '' representing XXXX XXXX or XXXX XXXX as I was told on the phone. I received a call from XXXX XXXX, and I explained to her that I couldn't talk to her at the moment because I was in the middle of a XXXX meeting for work. I asked her to call back at a later time. She then proceeded to repeatedly dial my number three more times. After this she called my teenage daughter while she was at school. My daughter called me hysterical saying that a lady said that I was being sued and proceeded to give her all of my personal information, name, date of birth, and social security number. She told my daughter that I would be arrested. She then contacted my estranged husband, and told him the same thing. I got a call from him a few minutes after my daughter. They both took down the phone number I was to call, XXXX. I called the number and spoke to XXXX at XXXX XXXX or XXXX XXXX ( she gave me both names ) and explained to her what happened. This morning I received another call from XXXX XXXX from the number XXXX. I answered the call and asked Ms. XXXX who she works for. She advised that she works for the " government '' for the state of Texas. I asked her to confirm the above number and she said " if that's what came up that's the government number, but it doesn't take inbound phone calls ''. I asked her to confirm that she was a " Process Server '' and that she did contact my daughter and husband and give them person private protected information. She confirmed. I explained to her that I would be reporting this incident and then hung up. She proceeded to call my cell phone three more times after this encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs 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 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 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 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 2021-02-18
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/2021 - Westlake Financial called my friends phone and told him how much money I owe. They also advised specifically the types fees I owed and why. This is against the law.

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 2016-08-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have a Walmart store card and the bank is Synchrony Bank. Before synchrony the bank was called GE capital XXXX then it became synchrony. I do n't know if GE capital XXXX was owned by synchrony and they just renamed their business or what. GE capital XXXX was ripping off consumers left and right now synchrony is doing the exact same thing. My Walmart card number is XXXX. The name on the Walmart card says XXXX XXXX XXXX. That is me and when I started realizing synchrony was charging me late charges I stopped using the card. I pay my Walmart store card early around the 1st week of every month early and the due date is the XXXX of every month. If I do n't pay my bill a couple days before the XXXX synchrony charges me another late fee. They want a double payment every month or they will charge {$35.00} late fee all the time. For a bank/financial institution they should know that the payment I sent in $ XXXX- {$45.00} IS FOR THE XXXX. I know they are thieves. If you type in a search engine complaints about synchrony bank or complaints on care credit that is XXXX of the cards synchrony has you will see all of the complaints against this bank. If you type in a search engine complaints about GE capital XXXX you will see all of the complaints. I am not paying any late charges. I want to close this account after I pay {$79.00} that is all I owe. Synchrony bank has many cards.

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful 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 2016-10-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
recently sent letter to Synchrony Bank , XXXX XXXX, requesting evidence, bearing my signature, that the account was reported accurately. further they failed to place disputed on my credit reports within 30 days as required by FCRA 623 ( a ) and FDCPA 807 ( 8 ).

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 2019-04-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My VISA card has been debited by Experian the following for services I did request, elect, purchase, or agree to for any reason :XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00} Total {$100.00} I have repeatedly called XXXX the number shown on my Visa card monthly statement and the number shown on the Experian website, XXXX when I enter my SS 3 as requested by their voice response system it says I can't cancel my 'FREE ' Experian account. I have attempted to contact them to no avail on multiple occasions. 
I have also contacted my VIA bank and disputed these charges with no result.

I have now cancelled my VISA card and am reluctant to get another card due to Experian 's ability to access my CC card account and continue to bill me for this service I have never requested or used. The voice response system at Experian says I need to setup an account to login to Experian to manage my account, which I know better than to do. This would only verify the validity of my account and justify their billing.. The XXXX email address Experian is contacting me at is an email I never use, except when it is required and I don't want to be contacted any further. 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 monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 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 2021-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I was told by a friend to check my credit report directly through the credit bureaus instead of monitoring everything through credit karma. It was easy with XXXX and XXXX but Equifax  has been a nightmare. On XX/XX/XXXX I signed up with Equifax and is has my information all wrong. My social isnt correct and my date of birth is wrong too. I tried calling into customer service and they told me on their end they see that everything was correct and that I shouldn't worry. A week later and I noticed that my XXXX XXXX wasnt updating on my Equifax side so I called in again. The rep told me they would escalate the issue and give me a call. I never got a call back so I tried doing a dispute through the online system. Ive uploaded my license and my social security card to show proof of my correct date of birth and correct social security number. The system says that the dispute was completed but I dont see any change and I didnt get anything. Ive tried to do the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/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 2022-10-24
Company: EQUIFAX, INC.
State: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Alorica Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls to XXXX XXXX XXXX looking for a XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX. It 's hard to track the caller id as they are spoofing their number. I called them on a recorded line XX/XX/XXXX to tell them that they have a wrong number. I was told by XXXX ( unsure of the name ) that she was going to remove my number off the list. 
Today at Today XX/XX/XXXX XXXX caller ID was XXXX. When I answered the phone I advised the caller, I have called them before to let them know they have the wrong number for this XXXX XXXX XXXX. The female on the phone told me that I must have called another company. I advised her not to call me again, or I will file a complaint. 

I have no faith that this company will not stop calling my house looking for this individual that I do not know who it is. Please help me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

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 2021-05-24
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I settled a debt owed to Schreiber Law Firm, who was claiming to represent XXXX XXXX. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that Schreiber Law Firm, would inform their client, XXXX, of the payment received and under XXXX XXXX  standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of Schreiber Law. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of Schreiber Law who informed me that the fault is on XXXX. She told me to call XXXX. I called XXXX who claimed they had no information on the account and no record of payment and told me to call Schreiber. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client XXXX. 
XXXX as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Grain Technology, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I requested to pay the annual fee in order to access my credit service with Grain. On XX/XX/XXXX XXXX XXXX processed my request. On the same day of XXXX request, I received an official email from Grain stating that Your annual fee payment of {$80.00} from your has been initiated on XX/XX/XXXX. On XX/XX/XXXX my annual fee was processed and I gained access to the credit services on my account. On XX/XX/XXXX I received an email indicating my account would be frozen because they needed to verify my account, therefore I contacted support with concern since I just paid an annual fee to gain access to my account. XXXX restored my access. On XX/XX/XXXX I was notified of an incorrectly charged annual fee of {$80.00} and a refund of the incorrect charge. On XX/XX/XXXX I again noticed I was unable to access the line of credit on my account. Between XXXX, I reached out to customer support on multiple occasions. During this exchange, XXXX informed me that he could not see the annual fee on my account. After providing him proof of payment ( bank statement, official Grain email, and email exchange with XXXX confirming the fee was processed ), XXXX insisted that if I paid the fee then it was refunded. I told him the only fee I was refunded was according to an official Grain email an " incorrectly charged annual fee. '' Since then XXXX not recognized this fee was refunded only because it was " incorrectly charged. '' He insists I should pay a full {$100.00} ( which included the original {$80.00} fee and an additional {$20.00} for a credit increase I was granted ) because he can not find a record of my annual fee payment and he has not accepted my 3 other forms of proof of payment. Until I pay this I have not had access to my line of credit. Therefore, I offered to pay the {$100.00}, notifying him that I would have to dispute the original annual fee charged on XX/XX/XXXX. Since then, XXXX has not taken any action on my account and he has been ignoring my last 4 emails, refusing to help me solve my problem or transfer me to a supervisor. Upon checking their reviews, this company has a well established pattern of ignoring the needs of their customers for even months on end. I am no lawyer, but I feel that an attempt to take someone's fee for an annual service, and then to suspend those services is an act of fraud.

Company response to consumer: Closed with explanation