BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Synchrony XXXX card whirlpooling my credit score. Missed payment in 2021, they negatively reported to credit. Fine. Then lowered limit from XXXX to XXXX ( original balance was XXXX, paid down to XXXX when this happened ) bc of lower credit score. Which then lowered my score again for having too high balance vs. limit. The new lowered credit score was then used to justify closing my account ( with no notice to me ). I have a balance of {$1500.00} today, called to up limit for new a/c and found out closed. Was told to reapply, fine. Reapplied and was rejected for low credit score and balance too high vs limit ( which they caused ). THEN, lowered my credit score AGAIN for reapplying.

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 2022-10-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Between XXXX XXXX XXXX, Equifax reported a NEW OPENED account from XXXX XXXX. 

On XX/XX/2022, I called XXXX XXXX ( creditor ) to inquire on this because No new account has been opened on my behalf. XXXX XXXX staff stated that Equifax notified them of the Error on their behalf ( Equifax ) and will reach out to the consumers that were impacted to correct this error. 

I filed a dispute with Equifax on today XX/XX/2022 in regards to this matter. A manager at Equifax informed me that it will take Equifax 30 days to complete the investigation. I explained to him that it should not take Equifax 30 days because this is completely Equifax mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: PR
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:
I SEE A LOT OF INQUIRIES ON MY REPORT XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ; XXXX XXXX ( HOTEL AND TRAVEL ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX 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 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 2022-10-27
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we received our mortgage statement for XX/XX/XXXX and noticed that our mortgage payment increased from {$4000.00} to {$4300.00}. When we inquiered about the increase we were told that our flood insurance had lapsed and that there was a force-placed insurance policy. 

We secured a one-year policy and submitted the information to United Wholesale Mortgage XXXX as directed. 

Seeing that our mortgage payment was not adjusted back to the original amount we called United Wholesale Mortgage on XX/XX/XXXX ( on a recorded line where the representative was rather rude ) it was explained that the policy had lapsed in XX/XX/XXXX. We closed on our mortgage on XX/XX/XXXX. 

On that phone conversation, we expressed that we were never notified of any issues with our insurance, ever. We requested that the representative send us copies of any notices or letters that had been send to us, and we also requested full information on the policy that was force-placed : who the company was, when the policy went into effect, etc. 

Today is XX/XX/XXXX and we have yet to receive any information. 

We dug through our online account dashboard, through all the notices and statements and information, and found nothing regarding and lapsed policies or information on a force-policy. 

We have since been very patient, giving this company enough information and ample time to review and look into this, even suggesting that the matter be escalated, but we have gotten no responses relevant to our inquiries. 

We have had a couple of phone conversations with United Wholesale Mortgage on what they keep reminding us are on a recorded line, where we request that proof of notices be sent to us, and have seen nothing to date. 

We are filing this complaint due to of the policy that was force placed on our account, because we were never notified of a lapse or any issues with our account and we are disputing the following disbursements that were made from our Escrow account : XX/XX/XXXX : - {$1200.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} I will attached the written request communications as of XX/XX/XXXX, but again, there are phone conversations that happened previous to these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX " XXXX XXXX XXXX '' has violated my rights. 



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY purpose. 



Thank you for your time and cooperation in this matter. 


Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # 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 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on XXXX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NJ
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:
The XXXX account was discharged in XX/XX/XXXX and is currently reporting inaccurate information as of XX/XX/XXXX. The last payment for this account was in XX/XX/XXXX and should not have recent activity. Please remove all recent activity on this account or delete account immediately. According to FCRA you can not report inaccurate 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to overwhelming debt I was forced to turn my debt to XXXX XXXX XXXX and have them negotiate payments I can afford. All of my debtors have accepted except Barclays Bank. They call repeatedly from XXXX to XXXX XXXX at least 7 times a day except Sunday. I have told them that XXXX XXXX has negotiated with them. I was current thru XXXX of this year with payments. Since XXXX they have been receiving {$290.00} a month. They say I owe an additional {$900.00} which I do not have. I've emailed them and told them that in XXXX I will have my income tax return and I will make good on the {$900.00}. I'am retired and live on my pension and social security. All of income or almost all of it goes to bill paying I can not afford to pay them more right now. Please them I'm doing my best to pay them. The number they call me from is 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 2023-04-26
Company: LJ Ross Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
re : credit debt collector LJ Ross Acct # XXXX DTE Document # / Case XXXX Received billing from LJ Ross collection agency regarding DTE energy bill for utilities used at XXXX XXXX XXXX XXXX XXXX. I have never lived at that address or know anybody from that location.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I recently Filed an Complainted with Attonery General of Pennsyvalnia against Transuion about a Bankruptcy Reporting on my Credit report. Transunion responded by that they will remove it by XXXX of 2022. Today is XXXX/XXXX/2022, Transunion has not removed the bankruptcy from my credit report as of yet. I attached a copy of Letter from Transunion that was sent to Attonery General and Address to me as well. Stated that they will remove the bankruptcy by XX/XX/2022 2022

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 2022-11-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX XXXX. 

Sometime during my XXXX  my credit card information was stolen. However both XXXX bank and weitman Weinberg reis and co refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

Weinberg has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX  I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX " XXXX XXXX XXXX '' has violated my rights. 



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY purpose. 



Thank you for your time and cooperation in this matter. 


Best Regards.

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 2022-10-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.

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 2022-10-27
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation