BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately. Can someone please look into this? Thank You Accounts XXXX XXXX  XXXX  XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized EQUIFAX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
Experian is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized US SM BUS ADMIUN ODA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized

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 2017-01-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax refuses to conduct a proper investigation, they refuse to correct negative information on my credit report, they refuse to except documents from myself or the CFPB, which provide the correct information regarding a XXXX student loan account for my daughter which i co-signed. 
Equifax is reporting a XXXX account ; Acct # XXXX XXXX XXXX XXXX as 150 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX. 120 days late in XXXX XXXX, 90 days late in XXXX XXXX and 60 days late in XXXX XXXX. They are reporting this contradicting the update XXXX has sent them and ignoring XXXX own response to my complaint through the resolution process with the CFPB for case # XXXX. 
XXXX has confirmed they requested all XXXX credit bureaus to remove all late charges consistent with the above mentioned case. XXXX and XXXX have updated this information. However Equifax refuses to do so. 
I have sent Equifax numerous certified letters over the last 6 months, I have called equifax begging them to conduct a proper investigation. I have provided Equifax with XXXX response to my CFPB complaint. 
As a result of Equifax 's willful neglect and deliberate reporting of inaccurate information, I have been paying hundred 's of dollars a month in higher insurance fees. I have been turned down for a work van and finally had to pay higher interest fees for a work van I was able to purchase. 
Note : this account is the ONLY negative account ever to report on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Green Trust Cash, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.

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 monetary relief
Consumer complaint received 2022-06-02
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX, and a card linked to my Paypal card number ending in XXXX that I don't know about Paypal told me is under my name and under XXXX Bank. Still, I want y'all to verify if it is under my name and under that bank or tell me the person 's name and what bank it is under ; my PayPal account email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Convergent Resources, 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 XX/XX/XXXXAccount # XXXX, has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 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. 15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: TX
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:
Inquiries are being furnished on my consumer report that I did not authorize nor consent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries are being furnished on my consumer report that I did not authorize nor consent too.

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 2015-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home with a Mortgage through Seterus Inc. went through foreclosure in 2011. It was sold at auction in XX/XX/2011. My account with them shows a balance of over {$160000.00}. on my credit report. After contacting them 4 times in a span of over 2 years and requesting that they update my account standing with the credit bureaus they have done nothing! They tell me over the phone that my balance is {$0.00} and I am no longer liable for the property, but they have not reported it to the credit bureaus and I can not get any documentation from them saying I am not liable. They are terrible to deal with on the phone and will not do anything to correct this misinformation which is holding me back from improving my credit situation and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a XXXX issue, the information is also inaccurate and incomplete. I disputed this information with Equifax, XXXX and XXXX. XXXX has recently deleted the XXXX tradelines. Only Equifax & XXXX are still reporting. To date, I disputed the tradelines XXXX separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least XXXX separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and Equifax & XXXX did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my Equifax & XXXX credit files & reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This complaint is regarding Synchrony bank. I have several different accounts with Synchrony bank that was transfer from GE. However, when I obtained the accounts in the store, I was told I could get XXXX insurance. When I got the cards, I notice no XXXX insurance paperwork. I contacted the credit cards company and was told they do not offer XXXX insurance. So I was upset but felt there was nothing I could do. However, I recently got an Amazon card by the same bank, and I was offered XXXX insurance. I then search to see if Synchrony bank provided for other cards and came across the lawsuit against GE/Synchrony bank. Based on what I read, I saw they need to offer XXXX insurance. Back on XXXX/XXXX/14, I went out on workmen 's compensation for almost seven months. I was still forced to pay all my credit cards and when I went back to work, was late and received fees. Because my first XXXX paychecks I did not get paid because I was caught up on all my insurance. I had called Synchrony bank and was informed they could not help me and to pay the bill. Also told me well you have no interest to worry about. But if I ca n't pay the bill then I get hit with a late fee. My credit cards are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and recently added XXXX. I hope that CFPB can help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting Act 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

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 2015-04-20
Company: Liberty Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 opened a chime credit builder in XXXXXXXX XXXX it kept giving me negative marks so I called at the end of XXXX and canceled the credit builder but kept my banking ( that does not go on my credit ) I was still getting negative marks and showing that the account was open. XXXX and XXXX closed it but transunion has not. I have been disputing this since XXXX they removed the marks last month and then let it happen again this month. I called XXXX they confirmed the account is closed but when I called transunion they say it's opened so I started a new dispute which would be my third one. I have been working on my credit since XXXX and this account has significantly damaged it even though there was no late payments and not that it has been closed for months it still is damaging my credit and niether companies has helped any time I have reached out to them. I have documentation on everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my Chime debit card stolen on the night of XX/XX/XXXX and was then fraudulently used at a XXXX  Lottery machine in a XXXX near my address at XXXX and XXXX the next morning. I file a police report and called the bank as soon as I realized the card was missing after I got off of work that day but by then it was too late and they people who stole it spent {$500.00} and made my account go into the negative {$120.00}. The bank said I could dispute the transaction but had to wait for it to be cleared in my account before I could do that. It finally cleared in my account and I disputed it but accidentally cancelled the dispute thinking I was removing the transactions from my account. I have had this account with this bank for almost four years and have never in all that time spent money on lottery much less {$500.00} in less then XXXX minutes. I have provided them with the police report and they still said that it was still me who made these transactions even though I didn't have my card and they knew I didn't have it. They also refused to give me an address for the place my card was used even after being asked multiple time on the phone and over email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls on a daily basis for the past year or more and I do not have any idea of who they are or what company they would even be collecting a debt for. 
Once the number with the company name calls, I am then immediately robo dialed XXXX to XXXX times from another number, again on a daily basis. 

XXXX XXXX has a Scam XXXX XXXX and the names and numbers and dates and times called appear in the app. 

This company does not appear on any credit report

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 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

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 2016-02-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Credit provider did not allow no-fee over-the-phone payments in XXXX ( no option was available and customer service stated as much when asked ), causing us to rack up fees, penalty, interest, etc. unjustly.

Company response to consumer: Closed with explanation