BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX credit bureaus must validate these items listed below. It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/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 2021-11-12
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection listed which is unknown to me, I have dental insurance I would not owe anything to a dental company. Please help

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 2017-06-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: SYNCHRONY FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I contacted paypal credit customer service at XXXX on XX/XX/XXXX to gather information about a debt which is being reported monthly on my credit report. This account was removed from my report on XX/XX/XXXX. 

COMPLETED ON XXXX XXXX, XXXX ITEM IN DISPUTE : SYNCB/PPC DISPUTE REASON : Accuracy The payment history/rating is incorrect. 
The dates on this account are incorrect.

CONTACT INFORMATION SYNCB/PPC XXXX XXXX FL XXXX XXXX : Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See your current report SYNCB/PPC Reported on XX/XX/XXXX {$2200.00} They informed me they can not provide information on account history or how to settle. The customer service representative gave me a telephone number to a credit collection firm which does not report to the credit bureaus and stated that firm is the only company whom could provide information on the debt being reported by SYNCB/PPC . I would like to gather information about the billing history of this account as I was unaware of the debt or the account itself. PayPal will not provide information on a collection account they are actively reporting on monthly. This is hurting my ability to secure a mortgage and auto loan putting my family in financial limbo. XXXX and XXXX removed the account from my credit report on XX/XX/XXXX but shortly after it was reported back and no information about the account billing history was provided to me.

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 2020-10-07
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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: Information belongs to someone else

Complaint:
It's not my account. i never had this credit card, never applied for it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
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:
I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?

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 2022-04-05
Company: EQUIFAX, 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Dynamic Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit card company is constantly switching numbers to call me. I block one call it comes through with another number. Today I got a call from : XXXX When I looked up the number in question via XXXX. It came back at this company : XXXX XXXX XXXX The name of the original collection group : Dynamic Recovery Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX they use an email address : XXXX I am getting emails from them as well as constant calls. 


Please make it stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: SYNCHRONY FINANCIAL
State: TN
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:
XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ). This account was paid in full through the XXXX payment site and needs to be removed from my report. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Account has been paid and needs to be removed from report. 

Attached is a copy of each letter I am re sending to each bureau as well as a copy of my 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 2018-02-25
Company: CITIBANK, N.A.
State: KY
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:
XXXX  unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At no point, have I ever authorized any accounts with Barclay 's Bank of Delaware or their debt selling partner, XXXX XXXX XXXX. 

I have repeatedly requested a copy of the original agreement from Barclay 's Bank of Delaware, the ( alleged ) original creditor, as well as XXXX XXXX XXXX ( debt buyer ), proving that alleges that I am responsible for this account. Barclay 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is XXXX XXXX XXXX ( XXXX ). 

XXXX also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize Barclay 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If XXXX continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.

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 2017-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfollio Recovery is trying to colect the allaged XXXX XXXX credit card dept. 
After two letters send to them by me, on XXXX XXXX and XXXX XXXX Portfolio Recovery was unable to provide me with the document bearing my signature as a proof that I owe them. 
I believe that this is a violation of the Fair Debt Collection Practices act ( including but not limited to Section 807-8 ), also the violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called my Indigo Platinum Card to ask why I had 18 charges from XXXX XXXX XXXX & XXXX XXXX for XXXX & XXXX? I've NEVER been on XXXX & ordered anything, EVER. And in addition for each XXXX charges, they have also attached an additional charge of $ XXXX-XXXX, for each charge " they claim '', is from the merchant?!?!? These charges ARE NOT on my statement or DISCLOSED ( the only reason I figured it out was because there is a XXXX available balance when I just made a {$200.00} payment & the limits only {$300.00}. The customer service guy sounded foreign & refused to tell me if the vendors are out of the country? He said he could not see that information, I told him hes lying, I have other credit cards & I know he knows. Personally, I think its an inside job & they are paying themselves with peoples credit cards & then writing it off after the 30-60 days for its being sent to the fraud department for investigation. I told them if my card is charged for $ XXXX-XXXX  fee for each transaction, it has to be disclosed on my statement & its ILLEGAL, they cant just hide the fees & not tell me what its for or where it came from? I want this investigated immediately. These people are scamming big time. I told them I'm no accountant, but a {$200.00} payment on a {$300.00} card doesn't equal a credit line of {$.00} cents. Personally, I haven't used that card in months & I think they counted on me not looking & noticing there where charges.I closed the card down & the complaint was sent to the cards fraud department ( like that matters, it was probably an inside job ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CO
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 called Equifax on XX/XX/2022 to get XXXX accounts removed ( one alleging {$8000.00} and another {$9800.00} ) from my consumer file that I did not authorize to be on there. Equifax assumed this role of assembling credit worthiness and were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Equifax fail in the initial investigation of this information. Equifax also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Equifax did not insure that this information is accurate, and did not exercise their grave responsibility with fairness and impartiality. Equifax never consulted with me to find out if this transaction even took place. As a result of this, my privacy was breached, and this violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 have 15 hard inquires on my TransUnion that I didn't apply for.I need these removed A.S.A.P

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 explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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:
I sent my letter off on XX/XX/2022 I told the credit bureaus to 'investigate every piece of my information ' on the accounts I have listed below. 

Firstly according to the FRCA 15 USC 1681 every piece of informations on these accounts has to be 100 % accurate .Ac you can see attached on my credit reports still not reporting 100 % accurate According to the FRCA the term 'investigate consumer report ' means a consumer report or 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 acquitted or who may have knowledge any informations. 

They stated my accounts as verified but how is that possible if they didn't do a proper investigation according to the law. 

Accounts XXXX ACCOUNT NAME XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXXXXXX XXXX  ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 specialized loan servicing LLC reported to my credit that I was behind a payment even though I have never missed a payment I never received a letter letting me know about this problem I was notified by XXXX XXXX I called them to see what was going on they said I was behind {$280.00} but they didn't know why they said they would look into it and after many phone calls and hours and hours on the phone being bounced from one person to another after two months of this I Findlay got a lawyer involved on XXXX me and him were on the phone with with them for a hour and forty eight minutes they still couldn't figure out why I owed the money then a day or two later they sold it too XXXX XXXX XXXX XXXX   and they took over my payments as of XX/XX/2019 but it was reported to them I was behind but they also not informed why so I spoke to them late XXXX early XXXX about this and they said it would take 60 days for them to go over all the stuff they received from previous mortgage company after they looked over everything they didn't have a answer why so they had me send in my proof of payments and they looked in to it now they said they figured it out that specialized loan servicing LLC decided there was not enough money in my escrow account so they took it from a principal payment and put it in to escrow account with know notice to me I never missed a payment I can't see how this was my fault they miss calculated and chose to fix it with out letting me know there was a problem I am XXXX and can't afford to make extra payments for a mistake specialized loan servicing LLC made

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 2017-06-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received two calls this morning between  XXXX  and  XXXX    XXXX   XXXX   from this company for a  XXXX   XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in  XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!

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