BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}

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 2016-09-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is fraud.

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 2016-01-03
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
I had an American Express XXXX credit card. I lost my job in XXXX XXXX and was unable to make payments. They immediately sent me to a collection agency and closed the acct in XXXX XXXX. As soon as I was able I paid the debt in full on XXXX XXXX XXXX. In XXXX XXXX I checked my credit reports and noticed errors on this account. It was showing as a charge off even though it was paid in full. I have submitted over XXXX disputes since then to the XXXX CRAs. The XXXX report is somewhat accurate in that it shows a closed-paid collection/derogatory status even though they removed all positive payment history. My dispute is with XXXX and XXXX. For some reason, the account now shows as Open - Collection status since XXXX XXXX XXXX and XXXX XXXX XXXX. I disputed repeatedly and they " confirmed '' this status as correct. I asked AMEX to send me a letter with all info on my account and to update with CRAs. They sent me a letter that shows Date Opened XXXX, {$0.00} balance, but the status is " Collection Account - Closed by credit grantor ''. No other info is detailed such as date balance was paid in full or date when acct was closed. On top of that now AMEX sends me pre-approved credit card offers even though I asked them not to do so. I have already been denied credit twice with other lenders due to " account in collection '' type issues as I did n't know these accounts were somehow reported " Open- in collection ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: SC
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 voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Client Services, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX  Has sold the debit to LVNV funding and both parties are Reporting negative on my credit which is against federal law and must be corrected asap.

Only 1 party can report the debit and that is current debit holder This must be removed from my credit file as a charge off and bad debit even though this was a exwifes credit card and did not belong to me.

I called both credit reporting g agencies and they told me to call XXXX, called XXXX XXXX  XX/XX/22 @ XXXX XXXX  I was told by supervisor it's mot his problem and to take it up with credit bureaus of I have a problem. 
No accountability and this is a violation of my rights granted to me by 15USC1681 part 1through 4 XXXX  XXXX must take immediate action and resolve at once

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Reporting company used your report improperly

Complaint:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went in to the branch to advise of hold on my account. They advised that there were some attempts made on my spouse 's card and the account is on hold. I was advised to come back next business day with spouse. I came back next business day and they opened a ticket regarding the issue. I was not provided with ticket number, nor proof of what attempts were made on my account. I was not provided with an XXXX on when they would release hold on my account. I have now spoken with branch manager and fraud division and they keep referring me back to each other advising that they do not have the power to release the hold and it should be done by the other entity. I have no access to my money and have no way of paying my bills.

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 2016-04-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Synergetic Communication Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice To Whom It May Concern : I was recently made aware of a negative inaccurate item on my consumer report by your company. 

The following are the negative inaccurate accounts : XXXX XXXX XXXX  Account number - XXXX Alleged original creditor XXXX XXXX XXXX XXXXXXXX XXXX - NO ORIGINAL WET SIGNATURE CONTRACT, NO WRITTEN INSTRUCTION, & UNVERIFIABLE : 15 U.S. Code 1692g which means they had no permissible purpose. 15 U.S. Code 1681b ( 2 ) I know this information is inaccurate, and I request that you provide the following for each and every account or remove all negative information : Validate the amount of money you claim I allegedly owe. Educate me on how you calculated the amount of money you claim I allegedly owe. Provide ALL ORIGINAL documents and negotiable instruments ( promissory notes etc. ) proving my agreement to such alleged debts with my WET WRITTEN SIGNATURE. Proof that you are licensed in my state, and provide me with your license number ; To prevent this from being listed on my consumer report, I insist that you also send a copy of this dispute to the companies in which you say I allegedly owe money. Furthermore, I insist that you instruct the furnishers of this inaccurate information that I am disputing these account. Remove the inaccurate and harmful account immediately. I am alleging that the NATIONAL CREDIT SYSTEM has violated multiple of my consumer rights. You can send me compensation for the violations payable to XXXX XXXX XXXX or face this issue in arbitration or furthermore federal court. 

Without XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had an American Express card since 2004. I had a high balance of $ XXXX, but lost my job and went into default. Amex structured a payment plan for me where my minimum payment was about $ XXXX/month without incurring interest. I have been paying this minimum amount down regularly each month using an automated payment function on the Amex website. I brought the balance down to $ XXXX. Last week ( XXXX ), I received a phone call from a debt recovery company saying I made no payments since XXXX XXXX and my account was 60 days past due. I took it for granted that the automated payment was going through as we were in a busy time moving house, summer vacations, etc., so I did not check on payments ( I had sufficient balances to cover payments and even if I did not my bank would have paid and charged a fee ). The automated payment had worked for the past few years, so I never questioned it. Somehow, Amex decided to stop my automated payment. I never authorized this and they never informed me of a change to their payment capability. When I call Amex Cust Svc to ask why automated payment stopped working, they reply that my account has been turned over to a XXXX party recovery company and they can not access it. The XXXX party company says they just acquired the account and have no history of what was done by Amex. I want Amex to remove any negative reporting to my credit report, but no one is taking accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Last XXXX, someone stole XXXX dollars from my Paypal account. There is some loophole where Paypal allows sellers through XXXX to charge PayPal accounts unauthorized. This issue is known to Paypal there are hundreds of people who have fallen victim to this scam and complained online. Here is a link : https : //www.paypal-community.com/t5/Disputes-and-Limitations/SCAMMER-WITHDREW-ALL-MY-MONEY/td-p/2074758 # First, it was very difficult to reach PayPal support XXXX I called, emailed, messaged on social media. It took me months to get a response and get through. I submitted a complaint and the response they provided didn't even make sense. They said : The transaction wasn't eligible for Purchase Protection and cant be refunded. This is insane. I did not make a purchase. I want my money back. Its true that it took me 11 months to lodge a complaint, but I deposited my money with PayPal to keep it safe. Its not in the terms of service that they will give my money away unless I check my statements monthly. 


Case ID : XXXX Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Rent Recovery Solutions
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company rent recovery stated to you that it has ordered the deletion of this account off my credit report after they were informed and agreed information was not accurate. 

Look at the attached documents, they continue to report this bogus and invalid account to the credit bureaus now 17 days later contrary to what they stated to you. 

Please open an investigation as to the lies they are providing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NV
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 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 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 account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # 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 account without my written instruction.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: SC
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 voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXXXXXX 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