BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
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:
It is an obligation of the Consumer Reporting agencies -EQUIFAX-by the FCRA to report accurate accounting, consumer has advised ALL the inquiries and late reported was indeed fraud, XXXX XXXXXXXX had four- ( 4 ) days according to LAW to remove such items. 

FTC fraud report was filed on behalf of consumer-consumer is now requesting EQUIFAX to provide the full documentation used to determine inquiry indeed authorized by the consumer and late for XXXX, XXXX XXXX XXXX of 2018, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, Consumer is NOT asking for an e-Oscar report. If EQUIFAX does not have this documentation to show these were in fact authorized it must be removed ASAP. Said company is liable under the SEC to abide by certain rules. EQUIFAX Commission file number 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 I will be filing form 211 Treasury OMB Forms to audit consumers account. EQUIFAX is securitizing consumers data yet refused to provide consumer a copy of their CONSUMER FILE NOT -CONSUMER REPORT. This has cost me severe pain and suffering- To add insult to injury my credit was FROZEN!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was for an XXXX XXXX Membership on my XXXX store card held by XXXX XXXX which was not authorized. When I was alerted that a membership fee would be charged ( this was in XX/XX/XXXX ) I initiated an online chat with an XXXX representative and they advised the membership would be cancelled and no fee would be charged. Evidently the representative did not cancel the membership and they I was billed {$120.00} on XX/XX/XXXX. I reached out to XXXX a second time and advised them the membership was supposed to have been cancelled. The representative said they would cancel and issue a credit for the fee. When I received my Synchrony statement in XXXX I was shocked to see that fee had not been credited and in addition there was a late fee and finance charges. To further complicate the issue my account is showing delinquent so I initiated a dispute with Synchrony and asked for a temporary credit while the dispute was in progress. Synchrony refused and said I would need to wait until the dispute was reviewed. When I advised Synchrony I would contact the CFPB the OCC and XXXX   they closed my dispute by saying that the charge was for an XXXX XXXX Membership and to contact XXXX!!! I feel that both the merchant ( XXXX ) and credit card issuer ( Synchrony ) are engaging in unscrupulous practices and predatory lending that leaves the customer with no recourse ( basically they charge what they want when they want and the consumer is powerless to challenge what they are doing ). I appreciate any assistance the CFPB can provide in helping me resolve this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
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 sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Diversified Consultant ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Investigation took more than 30 days

Complaint:
As of XXXX XXXX, Transunion has been reporting Unaccurate Unupdated Information from an XXXX account by the department of education TransUnion has have been continuing to report and identify on my credit report these late payments and debt accounts to Transunion. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company 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 2020-12-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX attempting to sue me without notifying me in the proper way didnt not even know they where attempting to take legal action until i received a call from a lawyer stating he had seen a suit had been filed against me and was inquiring if i needed legal assistance i was never served any notices or legal papers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After applying for a loan, my credit report stated that XXXX had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: STERLING BANCORP
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I held a 12-month CD with Sterling National Bank ( XXXX ). On  XX/XX/XXXX, I received an email from Sterling National Bank letting me know that my CD was " coming up for renewal. A renewal notice will be mailed to your address on file in the near future. '' The email did not state the date of renewal. I never received the renewal notice in the mail. My husband did not receive this email - only I received this email. 

On XX/XX/XXXX, my husband received an email from Sterling National Bank letting me know that the CD had automatically renewed and containing a " Truth in Lending '' disclosure document. The disclosure document stated that the bank would allow a 7-day grace period for withdrawals without penalty following an automatic renewal. I did not receive this email -- only my husband received this email on XX/XX/XXXX, and he had to forward it to me. 

I called Sterling National Bank to ask when the CD had renewed, as I had never received the notice in the mail that was mentioned in the email sent on XX/XX/XXXX. I was informed that the CD had renewed automatically on XX/XX/XXXX. I asked why I never received my paper notice in the mail, and was informed that it was probably because Sterling 's address system did not include my apartment number ( which I had provided to them upon applying for the account ). 

I was told I could get out of the CD but would have to pay 3 months ' interest in order to do so ( a penalty of {$230.00} ). I asked about the grace period and was told that the grace period ended on XX/XX/XXXX. I informed the representative that I was not informed about the grace period until XX/XX/XXXX and therefore could not have canceled in time. The person on the line told me that there was nothing she could do and that it was my responsibility to know the dates. I informed her that I thought it was unlikely that banking regulations anticipate that retail banking customers will have better information than the bank itself. 

Sterling National Bank failed to inform me about the upcoming renewal and then failed to let me know about the grace period until after the grace period had elapsed. In fact, they never let me know about the grace period. They only informed my husband, and even then, he wasn't informed until XX/XX/XXXX when the grace period elapsed on XX/XX/XXXX. I believe they did this on purpose in order to assess fees from a retail customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXXl to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.

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 2021-08-20
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The issue starts with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, failing to honor the contractual agreed upon max fees allowed on services rendered for XXXX & XXXX services. 
XXXX XXXXXXXX XXXX is a preferred provider with my primary insurance carrier, XXXX XXXX ( XXXX XXXX ). 
XXXX XXXXXXXX XXXX has since sent their improper accounting information to Southern Credit Recovery XXXX XXXX XXXX LA XXXX. 
Southern Credit Recovery is now dening my consumer rights to dispute. 
I have provided a detailed explantion of dates, charges, maximum allowed charges, amounts paid by each insurance company and my personal payments which reflects an over paid amount due payable to myself. 
I have attached a copy of what I sent to Southern Credit Recovery along with their response to my appeal. 
I have copies of all explanation of benefits which shows maximum allowed charges, insurance paid amounts to XXXX XXXXXXXX XXXX and my personal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-28
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents. 
I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX   and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX  and XXXX XXXX. 
I XXXX what this could possibly be for as I know of no unpaid debts. 
This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source. 
Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages. 
We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: IN
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 did not authorize nor did I give consent to the following accounts to be furnished this a violation of my consumer rights 15 usc 1681 ( a ) ( 4 ) violating my right to privacy and 15 usc 1681b ( a ) ( 2 ) and 15 usc 1681c-1 someone has acted on my behave and authorized these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: American Credit Acceptance, LLC
State: NJ
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 called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.

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