BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
I applied for a Guitar Center Credit Card XXXX XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and Syncrony, XXXX XXXX / Syncrony Financial processed the credit application. 

I was denied credit based upon " Address of record did not match .... '' Yet I was denied because I wrote home address `` Drive '' on the Guitar Center credit application and not dr or DR . 
Syncrony, XXXX XXXX  /Syncrony financial ( processed & delivered ) to guitar center XXXX XXXX , California a ( defective / flawed ) credit report. 
-Map of my home address attached - My credit scores are attached. 
I spoke with XXXX, a customer service agent with XXXX. 
on Thursday XX/XX/2018 between XXXX and XXXX XXXX time to inquiry specifically about acceptable vs. non-acceptable ABBREVIATION ( s ) on FICO applications and documents, that might or could affect or have a impact on a credit report. 
" It is outside of FICO scoring ", DENIAL OF CREDIT FOR USE OF AN ABBREVIATION, AS PART OF MY HOME ADDRESS IS OUTSIDE OF THE " score ' AND FICO SCORING. " formula " It is my position Syncrony, XXXX XXXX /Syncrony financial did not deliver a Factual " FICO CREDIT REPORT and any and all documentation sent to Guitar Center are defective & flawed, and not a accurate or true reflection OR representation of my current Credit or Factual Credit History, on file with : XXXX , XXXX and XXXX References, U.S . Department of Commerce California Chamber of Commerce, Utah Department of Commerce and other State & federal, CALIFORNIA & UTAH, regulatory agencies. ( drive ; dr dr. acceptable substitutions for `` Drive " ) United States Postal Service It seems like the logic of Syncrony is you can NOT use the root form of the word ONLY THE substituted?

Syncrony is thus, in my opinion operating, delivering a product " predictive analytics, or opinion outside of accepted FICO Fair Isaac Corporation, protocols.

- attachment MAP of my home address -attachments XXXX XXXX 2018 snapshots. 

Under penalty of perjury the above statements are true and accurate. 
signed :

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 2022-06-20
Company: EQUIFAX, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2017-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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:
This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX 's system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company that is servicing my mortgage, Franklin American Mortgage, notified me today through U.S. mail that they have sold my mortgage to another company, XXXX, XXXX. The effective date of this transfer isXX/XX/XXXX. The date on the notice FAM sent me is XX/XX/XXXX, but the law pertaining to this, 1024.33 ( b ) ( 2 ) ( ii ), states clearly : " ( T ) he transferor servicer shall provide  the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Having received the notice only today (XX/XX/XXXX ), the transferor servicer did not comply with the requirement of the  applicable statute. The fact that the notice may have been written prior to the 15-day window is irrelevant. Franklin American is required that I have such notice in my hand at least 15 days prior to the change is the relevant factor, and they are not in compliance with the statute. The company had many alternatives to ensure that I received this notification in a timely manner. Sending the notice via overnight mail would have gotten it to me within time, as would them calling me or emailing me. My profile with their company includes all my current contact information, and there is also a message tab on my account where they could have posted this notice. They did none of these things, insuring that I would receive notification late. The timing of this transfer is problematic. I get paid once monthly, on the XXXX. I have set up a recurring payment to come out of my account automatically, but I must cancel these recurring payments several days in advance, and they rarely post to my account until the XXXX, which is the date the notice indicates this transfer will become effective.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXXXXXX 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

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 2022-06-20
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial is stating the debt was acquired from XXXX XXXXXXXX XXXX for portion not covered by insurance. This debt was originally sold to XXXX XXXX XXXX. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When XXXX attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXXXXXX XXXX Account was used to rectify the debt. Then a bill from Phoenix Financial was received. Upon contact Phoenix, I was advised that " XXXX was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact XXXX ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from Phoenix to valid the amount on behalf of their client XXXX. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX  is reporting that my highest balance XXXX $ and TransUnion is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed 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 2017-08-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.

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 2022-06-20
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was sick with XXXX. This company purchased my loan from another company. I was not notified correctly. I only knew because of my alert from the XXXX with a phone number listeted. I called many times was unable to get a rep. So I attempted to create an account online. However, I couldnt had to try 30 times.When I finally got in after sending several emails and waiting for them to open back up that Monday morning. When I attempted to login to account it was not linked to my profile to be able to make a payment. I had to get tech support to investigate the issue and they took the payment over the phone. Online it shows my account on time as current I had no clue it was a return payment. Per law we have to be notified. The rep advised me they will be sending out a letter. The issue is they had my phone number and address that was never attached to me. I did not get any communication from this company. So I couldnt not make payment due to issues from their system. I ask if they could consider a good will update as paid as agreed being it was update on XX/XX/XXXX which was not correct per law you have a grace period you also need to be notified. Per online I do have screenshot it shows XXXX on time and XXXX ontime. Please update my account as paid as agreed or delete my account from credit profile I did not autorize anyone to 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 2017-08-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : XXXX XXXX XXXX XXXX Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking XXXX, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to XXXX. I spoke with XXXX sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.

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 2017-08-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX, I received correspondence from Trans Union file # XXXX indicating that they completed their investigation and that the following accounts were verified. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX After looking at the results the Credit Bureau has not done a proper investigation under 15 USC 1681 ia ( e ). The law clearly states, and the statue indicates investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning nay such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or form the consumer. 
Trans Union is continuously violating my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly States the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

Trans Union also failed to follow the statue regarding 15 USC section 1681 i ( a ) they failed to provide accounting of their complete investigation as required by the statue and case law that has been ruled in many circuits in US District Court. A violation of 1681 i ( a ) requires a consumer reporting agency to conduct a reasonable reinvestigation of the disputed information contained in the consumers credit file requiring the consumer reporting agency to have disclosed the consumers credit file. Also, in case law Bryant v. TRW, Inc. 689F.2d 72, 79 ( 6th Cir. 1982 ) ( making two telephone calls to the creditor was insufficient to re-verify disputed information ). Because there was a genuine issue of material fact regarding whether XXXX  was negligent in failing to comply with the reasonable reinvestigation requirement, the district court then had to decide whether there was a genuine issue of material facts.

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 2017-08-22
Company: Resurgent Capital Services L.P.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.

Company response to consumer: Closed with explanation