BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
Company: Resurgent Capital Services L.P.
State: PA
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:
i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX  XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. Santander Consumer USA 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the custodian for two XXXX  accounts through US Bank. I attempted to disperse funds to the minors, but US Bank will not allow me to set up an external transfer to the mother of the children because my account was given a " yellow '' rating out of fraud concern. So, US Bank was concerned about fraud with my account and made no attempt to contact me, and now they are saying it could take 3-4 business days to resolve. The cynic in me thinks that US Bank wants to make the external transfers of its customers difficult and slow to artificially buffer its ledger. But who knows what the truth is? All I know is that I don't feel well served by US Bank.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
I closed this account but it showing as I didnt pay it off., they said it was closed!

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 2018-10-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX XXXX set up a long term hardship program last XX/XX/XXXX or XXXX. I did all what is necessary. I made a downpaymemt and setup an automatic payment. One month after XXXX XXXX credit card collection department is calling me again cause sometjing went wrong on the enrollment process but when i ask what went wrong the answer is i dont know. But a representative called me XXXX and confirmed that im in the program. Now to enroll again they are asking for another downpayment. I paid it to enroll but its a hardship for me cause all the while i thought im already enrolled and just going to pay the minimum amount due. Now i have to pay more than what im expected and thats very hard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
my name is in correct and alias names should not be there and the 2 previous addresses are not mine i never lived there and my birth date to be corrected

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 2020-09-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Extremely Urgent!!!! Recently Mutual of Omaha Bank was bought by CIT Bank. We are a management company and had many ( 40 plus ) bank accounts that CIT took over as part of the purchase of XXXX XXXX. At first we did not see an issue with this for our clients and were more than happy to allow CIT to take over the banking relationship. However, things did not and have not gone well. They have messed up more times than i can count, have cost our clients money by not handling CD 's and other money market accounts such as ICS accounts, and most importantly they have cost my company a ton of money, time, resources and stress. When they cause an issue and we bring it to their attention they do not respond. My accounting staff and myself have reached out to them multiple times in good faith to encourage a response and that they would step up and work with us. Recently they invested a clients money into a multi tiered CD program through CDARS without their proper approval and now have locked up their funds that they will need liquid for several large expenses coming up. We are talking about millions of dollars that they have locked up. We engaged them many times to work with them in trying to either reserve this error and find out another way to resolve their liquid money issue. But once again, they choose not to respond or work with us to resolve this issue. Despite multiple attempts. All our clients are extremely upset and frustrated with CIT bank and have now asked us to move their funds to a new bank. I am extremely worried that they will not act in good faith as they have shown me that they do not care about their clients. I am worried that they will either just close the accounts and not work with us in a professional manner and within a reasonable time frame to open new accounts at another banking institution. Leaving all our clients is an awful position as they will not be able to accept payments from owners for their HOA 's dues and will be unable to pay their vendors. Thus casing major chaos! Our clients are non-profit organizations that are ran by owner volunteers and do not deserve to be treated this way or placed in this position by CIT bank. Without your help i do not know how this might play out since they have choose to ignore us and have been unwilling to resolve our many issues. And now that we are closing the accounts with them and moving all our clients funds, we are now have even more banking issues. Based on my experience with CIT, they have no business on the HOA/Community banking industry. Thank you for your help in resolving our serious issues, and to help ensure we are able to take care of our clients funds in the proper and professional manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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: Account status incorrect

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/EQUIFAX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have contacted Transunion many times to dispute the Release of XXXX XXXX Reporting. This XXXX XXXX should have been removed from my credit file for several reasons : 1. This is not my XXXX XXXX 2. This is an old outdated account.
Please remove these Release of XXXX XXXX from my credit report. This information was not provided by any furnisher or creditor.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i am submitting this because the XXXX bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.

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 2018-04-07
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a old credit card dept with XXXX XXXX.The account was closed and changed off in XXXX, and up for collection for a amount of {$2200.00} from XXXX XXXX.A collection is telling me that the account was open for collection in XX/XX/XXXX.cavalry portfolio svcs.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX.I looked at my report many years ago and this was already up for collection.How this are they moving there statue of limitations up on me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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: Account status incorrect

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. TransUnion/XXXX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

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 2019-03-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report & the other two bureaus provided my report online without any problem, Equifax gave me the usual message " we are unable to provide your report online, please fill out the form & mail in the request. '' I have been getting this same message from Equifax every year. They are able to provide the report which is guaranteed by law but they do not want to. I never have a problem with the other two credit bureaus. 

I have asked Equifax to explain why they are unable to provide my report online but they wont provide an answer. I do not want to write my SS # on a form & mail it in, then have my report with my SS # on it mailed back to me. A SS # should not be mailed - and a credit bureau should know this! 

Thanks for taking my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TX
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:
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. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
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:
Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Synerprise Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Synergy Consulting Services and explained that this should have been paid by XXXX and or 2nd Ins. and they said they couldn't do anything except to collect from me as it was now in collections. I called the XXXX XXXX that sent the bill to them and they said it was sent in error. It took many phone calls to follow up, making sure the account was cleared but in the mean time they reported it to the credit bureau and won't send a letter withdraw the derogatory statement or put send a letter explaining it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : 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 Balance : {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX. Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent certified mail In regards to this collection seeking signed documents and have never received. also this is a hipaa violation and my rights are being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
CFPB CASE # XXXX XXXX XXXX XXXX XXXX XXXX file suit on debt time barred. Judgement/Lien are preventing home mortgage refinance resulting in extreme financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: MI
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:
IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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