BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: PA
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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: PA
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, has violated my rights. 

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  **** 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
On XXXX Bank of America stated that I was not eligible for the Bank of America Capitalization Loan Modification Program due to income not meeting program eligibility. The income calculated by Bank of America was {$17000.00} per month. Bank of America calculated PITA to be {$65000.00} ( {$5400.00} per month ). Yearly income calculated with an income of {$17000.00} per month would be {$210000.00} which clearly would cover the costs. Why was I refused the modification? Did Bank of America error in their calculations?

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion has failed Numerous times to properly investigate and remove unrecognized inquiries from my credit report after several calls and letters to the Transunion they have completely disregarded my dispute. They continuously send letters stating they can not verify I have sent the letters and over the phone they do not have any regard for my issues. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021

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 2022-07-27
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights Chapter XXXX Bankruptcy 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 an account without my written instructions. 

16 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 than seven years.

15 U.S.C 1681s-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 accurate.

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 2022-04-23
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice dated XX/XX/2022 in XXXX from Resurgent Capital Services regarding an alleged debt. 

I called Resurgent to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by Resurgent on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, XXXX, attempted to collect the debt via email. They made no mention of my dispute. XXXX 's email did not make it clear what their affiliation is with Resurgent Capital Services and whether or not they are one and the same ; therefore, I am reporting both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclay cards is a company of thieves and and false advertising. They promised to open a credit card in 3 days with express delivery. However, then they say 7-10 days when I speak with them. Opening and closing credit cards destroy one credit report. Please ask them to delete the credit card ending in XXXX for all credit bureaus ( XXXX ). I will not stand to have open and closed accounts, with false advertising from representative and websites. This destroys credit score with fallacious information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 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 any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : 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 2016-05-28
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should 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 monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NY
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 a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is for the company Equifax. They are not able to locate me in their system. I am being denied a bank loan due to a freeze on my credit account and am being told by the other two major credit reporting bureaus that they do not have a freeze listed on my account. I need to resolve the freeze issue, but first I need to verify that Equifax has a freeze on me. Equifax can not locate my account though.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NY
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 a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

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 2016-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.

Company response to consumer: Closed with explanation