BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''. 
I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!

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 2023-11-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/, I filed a case with PayPal Credit ( Dispute : XXXX ) due to the item ( glasses frames ) I received being fraudulent and a fake. When I went to contact the seller about the item, there was no option for this to be handled nor a way to communicate that the item was not real. The seller took well over a month to get the item to me and due to delays with XXXX XXXX I wasn't able to finally start using my glasses until late XXXX. I filed my claim with PayPal Credit and they stated I needed to get them additional information but I had no information to give them. I showed them screenshots that there was no option for me communicate with the seller and that the frames were showing degradation ( which should not be happening when worn for less than a week ). I don't know what more I could have supplied PayPal when they requested more information. In the end, PayPal denied my claim stating : " We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because we did not receive a response from you with supporting details for the case. '' I gave all the details in the initial complaint to them and had nothing additional to offer.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2019-07-22
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute to Equifax for my XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX account can be deleted from my Equifax report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 XXXX I went to court for the balance i did owe so I dont understand why I have a balance.

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 2022-09-09
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This Collection must be reported in error. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. Please provide me with the Validation of Debt and stop reporting it without XXXX. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. PLEASE DELETE. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax had a leak affecting 140ish million americans. A visit to their website regarding if your info was leaked told me it was probable that my info was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act XXXX Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores

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 2023-10-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Subject : Formal Complaint : Synchrony Bank Dear Sir/Madam, I am writing to address a recurring issue I have encountered with the applications for business credit cards associated with Synchrony Bank . On two separate occasions, I applied for a LOWES business credit card ( issued by Synchrony Bank ), only to be denied due to the reason stated as " High risk source of application. '' Subsequently, I attempted to reapply a year later, receiving the same outcome. 

In an effort to seek clarification, I promptly contacted LOWES regarding the rejection, only to be redirected to Synchrony Bank. Despite my attempts to reach out to Synchrony Bank, I encountered difficulties navigating past their automated service as it prevents me from connecting with a representative to resolve the matter. 

More recently, I applied for an Amazon business credit card, also managed by Synchrony Bank, and was, once again, denied with the same explanation, " High risk source of application. '' Upon investigating this designation, I discovered that it typically pertains to the flagging of potentially fraudulent applicants. It is crucial to emphasize that I have never been involved in any form of fraudulent activity or conduct throughout my life. Thus, I perceive this designation as an act of discrimination, potentially influenced by my name. 

I would like to highlight that I run a successful business and maintain multiple business credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all in good standing with a flawless payment history. My credit score is exceptional, and I bear no personal credit card debt. Moreover, my business 's financial standing is exemplary, reflected in one of the highest business scores with XXXX XXXX XXXX. As a dedicated business owner, I am actively seeking opportunities to expand my business. 

Regrettably, the recurring denials from Synchrony Bank lack a reasonable explanation, and there appears to be an absence of an appeals system within their process. I strongly suspect that I am encountering discriminatory treatment based on my name and assumption of my race and location. Therefore, I demand a comprehensive explanation as to why my applications for any affiliate business credit cards under Synchrony Bank have consistently met denials. 

I find this situation entirely unacceptable and sincerely hope for your prompt intervention to resolve this matter. Failing a satisfactory resolution, I will be compelled to explore legal avenues against Synchrony Bank for discrimination. 

I await your immediate attention to this pressing issue and a timely resolution. 

Sincerely, 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 explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NELNET response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required NELNET to reduce my interest rate so that I could repay my remaining ( NEW ) balance without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Moreover, the SCRA covered a time in which I was transitioning to a new military branch. SCRA requires that official military correspondence is acceptable documentation. During the time in which NELNET says I should have been able to pay ( i.e., 2017 ) I was reporting for official military duty. NELNET 's response is a slap in the face towards all servicemembers who raise their right hand to serve this country!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had a relationship with Capital One for several years, including their 360 Checking Account service, for which my primary use was depositing money from my XXXX  account ( XXXX XXXX ) and paying off credit cards across different banks. 

My source of income is working as a XXXX XXXX  residing at the time in XXXX XXXX for XXXX. 

In XX/XX/XXXX I received a XXXX payment in the amount of {$50.00} from XXXX XXXX. This payment was in exchange of a service using the XXXX platform from XXXX. In the same month I receive additional 4 payments using the service. All individuals I am not acquainted with, yet for which I provided in lue payment. 

On XX/XX/XXXX, Capital One unilaterally reversed the payment from XXXX XXXX without any written notification or explanation. At the same time freezing my account and my ability to withdraw funds. After reaching out to customer support I was told the account is under investigation due to fraud, without any disclosure of further details. 

From XXXX, XXXX until XX/XX/XXXX I have constantly reach out to support and their customer protection department, where my account was being investigated. There has not been any information provided, nor of the nature of the investigation, nor I have been questioned or asked to provided any information on the account. The only thing I was told was the bank decided to close my account, and the funds will be deposited into my account on file with the bank XXXX. 

On XX/XX/XXXX, the account had a balance of {$5600.00} and a withdraw transaction with the totally took place by the bank. After reaching out again to the bank, their only answer has been that I the account has been closed since XX/XX/XXXX and I won't be receiving the funds ( the funds had not been sent to my account, nor a check issued with the balance ). 

Transactions : XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$50.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$4.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$160.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX Reversal Effective : XX/XX/XXXX XX/XX/XXXX, Withdrawal, Electronic Transfer, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TN
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 XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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, AND XXXX, have all violated my right. 

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 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 2021-07-13
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 information incorrect

Complaint:
The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX XXXX late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

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 2022-12-13
Company: Experian Information Solutions Inc.
State: FL
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 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 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish 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 explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account 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 account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX PL XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-09
Company: ALLY FINANCIAL INC.
State: AR
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation