BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Other financial service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-05-30
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 2017-03-26
Company: S.O.S. Loans, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
SOS Loans, LLC has a public record listed on my report as of XX/XX/XXXX. I was never served with any paperwork leading to this judgement. As soon as I saw this on my credit report I called and made arrangements but they refuse to remove from all XXXX credit bureaus. Even though they lied in court to get a judgment i was never notified about. My husband was tragically killed in a car accident on XX/XX/XXXX. I have XXXX children & no life insurance policy for him. I 'm not or never have i ignored there letters but i never received anything from sos loans inc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: CSO Financial
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: CT
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.

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 2022-05-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 was a victim of fraud on XXXX Someone accessed my Truist bank credit card and took out 2 cash advances without my authorization. Since then I have made various phone calls to Truist fraud division plus many visits to their branches in Florida & Tennessee. I have been given credit for the {$1500.00} cash advance plus fees and interest on my credit card but the other cash Advance of {$1400.00} still remains on my card with a {$50.00} cash advance fee & interest charges monthly. Truist closed out my case and their Fraud division refuses to address this Cash advance problem. My credit card is now ending in last 4 of XXXX but the original card ended in 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 explanation
Consumer complaint received 2016-11-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The basic, urgent problem I 'm having is with the loan servicing company giving false information regarding the status of a foreclosure sale date. On XXXX XXXX, 2016 a loss mitigation request was submitted to Ocwen Loan Servicing. On XXXX XXXX, 2016 a follow-up call was placed to Ocwen regarding the status. Representative ID Number : XXXX answered the call at XXXX. This same representative stated that documents were received. This representative also stated there is NO foreclosure sale date in the system. During this call several additional request for him to re-check again. Again this Ocwen representative stated there is no sale date. The representative was told that a website had the property up for auction on XXXX XXXX, 2016 ... Again the Ocwen representative stated, there is no sale date and that it will take approximately 30 days to review for loss mitigation options. On XXXX XXXX, I checked the status and was told by Ocwen, this information was incorrect and that the property would be foreclosing tomorrow at XXXX. How can it be legal to give false information regarding a foreclosure/trustee sale which restricts any legal options I could have exercised if I were given correct information by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: CT
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.

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 2022-10-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
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 act LANIER COLLECTION AGENCY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/2020 I received an email from PayPal ( Ref ID - XXXX ) that my paypal business account will be limited going forward which means I can not use it anymore They are also holding my balance of approx {$110.00} for 180 days which I can not withdraw now. 

I reached out to them for resolution and know the reason but I got the same response over a secure message from them. 

Paypal business account is very important for me to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Over 18 months ago, I secured a WALMART Credit Card - solely for the purpose of purchasing a mobile phone for my son. WALMART always notified me -by email- of the monthly billing. THEN in XXXX 2014 - WALMART STOPPED PROVIDING ANY EMAIL NOTICES ( about pending bills or paid bills ). WALMART SOLD THE CREDIT CARD BUSINESS TO SYNCHRONY. I HAVE ATTEMPTED TO GET AN ANSWER FROM BOTH WALMART AND SYNCHRONY ABOUT THEIR FAILURE TO SEND THE EMAILS. NEITHER EVER ANSWERED. I BELIEVE THAT THIS IS A DELIBERATE ATTEMPT/SCHEME BY WALMART/SYNCHRONY TO DECEIVE THE AMERICAN CONSUMER - MOST CONSUMERS RELY ON THOSE EMAILS NOTICES TO MAKE TIMELY PAYMENTS OF THEIR BILLS. SO WALMART/SYNCHRONY ARE DELIBERATELY REFUSING TO PROVIDE EMAIL BILLING NOTICES - SO THEY CAN BILL AND COLLECT DUBIOUS LATE FEES FROM XXXX CONSUMERS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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