BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}

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 2020-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am in debt with a clothing store, I have answered the phone calls and I have kept my same phone number the entire time. Out of no where I got a call from my grandmother who was livid about the debt. She left a voicemail which I do have as proof, I will have to find it to have the exact time and date of everything. But it is proof due to the fact that the debt collector told my grandmother of the SPECIFIC AMOUNT I OWED AND IF SHE COULD PAY IT. 

This is extremely illegal. I asked the company aka Portfolio about the situation and they couldnt have been bothered to help. They only filed a complaint. With not taking any responsibility behind it. This was extremely personal and embarrassing. I am planning on suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: SYNCHRONY FINANCIAL
State: CA
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 have attempted to remove a Synchrony account from my credit report multiple times. I am a co-signer on the account, and the primary account holder filed for bankruptcy. Synchrony is still holding me responsible for the debt, has notified the credit bureaus of 30 days and 60 days late on payment, and as of XX/XX/2020 charged the account off with a past due amount. 

XX/XX/2020 I received a letter from Senior Specialist from Synchrony Bank 's Corporate Consumer Relations with a number to contact the individual ... I have left several voicemails with the individual, in regards to the account, with none of them being returned. In the letter I was told that " the bankruptcy only removed my ex-wife 's financial obligation toward the debt ; therefore, only her credit bureau report reflects the debt as discharged due to bankruptcy. '' The letter also says they are " unable to delete or modify the status as reported ''. 

XXXX XXXX I attempted to settle the account balance with their collections department, but was told I could not and had to be transferred to the bankruptcy department. The bankruptcy department then transferred me back to the collections department. This occurred two more times before I was told neither department would be able to help me. 

I am also unable to remove the address my ex-wife resided at from my credit bureau files due to this Synchrony account. 

I have over 20 years of exceptional payment history with 15 other credit accounts, 2 auto loan accounts, 2 mortgage accounts, and 9 student loan accounts ; yet I have been unable to refinance my house due to this 1 account, and it continues to negatively affect my credit score and history.

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 2017-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company in question is Diversified Consultants. I  agreed to settle a XXXX account that I had and was promised that the account would be removed from my credit report and it never was. The original balance owed was {$1200.00} and The collection agency for XXXX agreed to remove this account from my credit report if I paid 50 % of the balance which was {$600.00}. I paid {$600.00} with a representative over the phone in XXXX 2017 and the account is still showing up on my credit report as Account legally paid in full for less than the full balance. This is not what was agreed upon and I would like this account fully deleted from my credit report. I feel that the representative I spoke with told me that this account could be removed from my credit report if I paid just to get a payment out of me and I do not think that this is right. Could someone who has the authority to remove this account please review my case? I have called Diversified consultants 3 times trying to get this matter resolved, but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have an  XXXX  credit card with  XXXX   XXXX  and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with Transunion or  XXXX  fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to  XXXX  credit bureaus and the response from   XXXX   credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.

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 2021-11-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, Equifax and XXXX. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint against Citizens Bank. They made an adjustment that did not solve the problem and now refuse to return my call. I have placed XXXX calls to the Chairman 's office. 

XXXX XXXX XXXX callsXXXX XXXX call-his voicemail says he is back from vacation as off yesterdayA {$600.00} ( approximate ) payment was not applied to the balance of my mortgage in XX/XX/XXXX. If it had been the balance going forward along with the interest charged on the reduced balance would have been less with each additional payment since the balance would be less. The paperwork supporting this was supplied to Citizens. 
Citizens applied the money that was paid in XX/XX/XXXX today and wanted to wash their hands of it. So they want to keep the additional interest they have charged and I have paid from XX/XX/XXXX to XX/XX/XXXX instead of recalculating the balance. Interest was charged on a higher balance. I think the bank should understand this. I want the payment applied and then the interest calculated on the reduced balance from the time the payment should have been applied to now. Yes, it will be many calculations since the error dates back a few years but I am sure there is technology that can assist XXXX XXXX or XXXX XXXX so it does n't have to be done long hand. I hope this can be resolved to my satisfaction soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.

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 2020-03-01
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already spoke with this company and they said they would send me something in the mail its been several months and they said the collection would be removed. Yet it still shows on 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 2020-03-01
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent a paypal - mastercard debit card & i didnt ask for it - i admit i was on one of the survey websites trying to make an extra dollar & thru cookies or whatever thats how it got mailed but when i decided to activate the card it was weeks later before i decided to use it & i was " declined '' every store - i have been thru at least 6 ph # s & every girl sounds the same but has a different name the 2 men i talked to sounded the same. The card is active on paypal but not " registered '' on mastercard prepaid. Ive tried everyway to register & i get sent from 1 website back to the other, from 1 ph # back to the other. Ive had calls cut off with good connection, been bounced from 1 site to another & today i ask why the XXXX XXXX was deducted it got worse. Im hard up for $ right now thats why i only put XXXX XXXX on the card- to check them out- & XXXX  if i didnt get XXXX  out of XXXX XXXX before i even got to use the card 1 time. No matter if its paypal or mastercard/XXXX  they say the card is active but its not & this is the gods honest truth

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Student Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
During the month of XXXX 2016, I kept getting bombarded by calls about getting help on my student loans. Finally I gave in to pick up a call, where a lady from a company called Student Services proceeded to tell me that she 'll get me a lower rate for a fixed income rate and consolidate all my loans, etc. etc. She also said that for that there is a fee of $ XXXX for the first month of XXXX, and the proceeding months will go directly towards my student loans and I would have a fixed rate of {$390.00}. However, due to actual mails from the Department of Education and the loan servicer XXXX, I was able to find out that this was not the case at all, and this third party Student Services is a scam that has been taking money from me without actually doing anything. The XXXX representative had to reset my actual student loan account so that this third party would not have anymore information, and they also explained to me that 1. I am not on a fixed income payment plan, 2. consolidation of my loans could have been done for free, and finally 3. no payments have been paid towards my loan at all and that I am currently on a grace period. I tried to call the company 's number on the paperwork that was provided for me, but the number seemed to reach some kind of third party phone services. Therefore I would like not only help investigating this company, but also my money back from all the payments I 've been making towards this scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Oxford Law, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been receiving phone calls from a representative from Oxford Law group of XXXX XXXX XXXX XXXX, PA XXXX, starting on XXXX/XXXX/2015. In the first call by XXXX XXXX, I was told " I am a legal assistant from the attorneys office trying to reach XXXX ( my name ), and have been asked to give you information. If you can call me we can discuss this so obviously I do not have to call you anywhere else '', no identification that this was a debt collector trying to collect a debt was made. In the next voicemail, ( also no identification that this was from a debt collector ) on XXXX/XXXX/15 I was told that I need to return the phone call to the attorney, that he is waiting for your call ( this was conducted in a threating and hostile manner ). I then received a phone call on XXXX/XXXX/15, stating that it was a debt collector, at the end of the voicemail the agent stated " We will get her ''. I received several calls throughout the next few days and the next voicemail was XXXX/XXXX/2015. Stating that it was debt collector. At the end of the message the agent stated " we found out she 's a XXXX ''. The first written communication I have received regarding this debt was on XXXX/XXXX/2015, with their letter in the envelope dated XXXX XXXX, 2015. The letter that the office mailed me was postmarked XXXX/XXXX/2015. In the letter that they sent me they stated that they have not contacted an attorney to review my case, which was contradicted by the voicemails I have received from their office, which I have saved. I have sent them a letter requesting them not to contact me regarding this debt. This office is harassing me by the use of threats, misleading statements and violating my rights as a consumer under Federal Law and California XXXX Fair Debt Collections Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account

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 2022-05-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 


Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. 

XXXX collection company can not be collecting for the same debt, which it is in this case. 

I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief