BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ; XXXX XXXXXXXX, 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 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 2022-08-03
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 ; XXXXXXXX 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 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 explanation
Consumer complaint received 2022-08-24
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my Amazon Store Card. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from Amazon showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! Amazon continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my Amazon card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that Amazon provided on a letter lowering my credit report are not FACTUAL, and Synchrony should remedy this IMMEDIATELY. It is because of Synchrony Bank ( that finances Amazon ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.

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 2022-10-24
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this company to submit all inquiries in writing, I will not verify any information via telephone and they are now calling my place of employments phone line ( XXXX ) instead of my personal cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX 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 XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020

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 2022-10-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
CONVERGENT OUTSOURCING is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. CONVERGENT OUTSOURCING is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337. Also violating state laws Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I requested that my account be closed on XX/XX/31. I was shock to discover today that my account is still open. Now I am being told that in order to close the account I need the last XXXX numbers of the credit card. I destroyed the card on XX/XX/31 immediately after getting off the phone with XXXX because I assumed that my account would be closed, so I don't have that 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 explanation
Consumer complaint received 2022-08-03
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit via XXXX XXXX. I found out about an account that was opened in my name XX/XX/XXXX when it appeared on my credit reports as a collection in the amount of {$340.00}. Original creditor was XXXX XXXX, cable/internet/phone provider for the XXXX XXXX valley. I do not have cable. I do not have a landline. I have used a smaller internet company for the past 10 years. I did not open an account with XXXX XXXX. This company refuses to give me any proofs/documentation or anything else proving I did and I have disputed the collection 3 times with the credit bureaus, to no avail. Reaching out to XXXX directly XX/XX/XXXX unable to receive help by phone so I used their chat service and emailed the transcript to myself, which Im including in this complaint. 3 different agents promised to help me in my efforts to remove the fraudulent account but only transferred me around to different departments, ending in sales to upgrade service that I dont have. Wanting a supervisor, XXXX XXXX in sales flashed a XXXX number then promptly removed it then ended the communication abruptly. This is not my debt. I am the victim of fraud and it is wrong to put the burden of proof on the victim. Additionally, I have suffered other recent fraud/theft ( including burglary ). When I went to my local police station they would only file a report on the burglary. I was told to contact the FBI for any and all fraud. This fraudulent account with XXXX XXXX has devestated my credit scores as it is listed as High Impact. Today I was denied a home loan ( my first ) because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
back in 2012, I fought with the previous company to have taken off my credit report. 10 years later after several attempts from several other companies on the same debt.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}

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 2022-08-02
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount {$160.00} and I do not own this amount. Please release this collection in my record as soon as possible. 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 explanation
Consumer complaint received 2020-01-19
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment of {$400.00} to Discover Card via the Discover App. 

In the Discover app it states the following : Payments submitted before XXXX XXXX. Eastern Time ( ET ) with a payment posting date of the same day will be credited to your account that day. After XXXX XXXX ET, payments can not be submitted with a posting date of that same day. Payments scheduled for a future date will be credited to your account on the date selected. 

I made the payment of {$400.00} before that deadline, and my available credit was posted as stated above. 

On XX/XX/2020 while trying to make a purchase, I was not authorized, I paid in cash now with that said I called Discover and spoke with a representative and discover stated that my payment is under review and may take up to 8 days, until the payment clears this is very conflicting. 8 days my due date is the XXXX of every month so I get charged the late fee, Discover gets my {$400.00} I have to wait 8 days. 

I have been with Discover for approximately 5 years I have never experienced this, this is the 2nd time. Discovers actions is now affecting my credit report. 

I have since called my bank and put a stop payment on the {$400.00} to Discover. I hope the CFPB can find a reasonable explanation or this as I see another XXXX XXXX shady shenanigans in the making.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted Sagestream several times and no one answers, voicemails do not get returned, and its pretty annoying i submitted a simple request so not sure whats taking so long to receive confirmation. Maybe submitting it this way will get the result. Hopefully this is the last complaint I have to make because i DEFINITELY sent my ID with my request last time when they are claiming I didnt just so they dont have to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter XXXX XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts be removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per Miller v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law. 

Update : XX/XX/2022 Equifax still did not remove the accounts in question. I was a victim of the Equifax data breach and EQUIFAX is responsible for the fraudulent accounts in question. EQUIFAX has a personal statement on the report indicating that I was a victim of EQUIFAX 's data breach. EQUIFAX refuses to remove the accounts in question. as a result I was not able to obtain new credit and the credit score declined from XXXX to XXXX on XX/XX/2022. The score then went up to XXXX on XX/XX/2022, more than 30 days after the permissible purpose letter ( attached ) was sent to Equifax. The score then goes down to XXXX on XX/XX/XXXX. This has injured me commercially and caused delays in obtaining new credit to purchase real estate. I will be filing an SF95 with the Department of Justice XXXX XXXX XXXX for the commercial injury and damages I have suffered along with a Federal Criminal and Civil Complaint for Conspiracy Against Rights and Deprivation of Rights Under XXXX of Law, Aggravated Identity Theft, and Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX XXXX XXXX XXXX  CARD XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
this account is not mines and is a result of identity theft. my last name does not even match

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 2022-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Initiated the process to remove PMI in XXXX of XXXX. After an attempt to refinance that resulted in excess fees and not much difference in the payment, I requested to have PMI removed. I sent the signed form and check for appraisal in XX/XX/XXXX. The check was cashed in XXXX. I received an email in XXXX that because the loan was less than 2 years old, improvements needed to be documented. ALL improvements were on the form that was submitted in XX/XX/XXXX. The loan reached 2 years in XXXX- I continued to call and be told it was being worked on. As of XX/XX/XXXX I still had NOT had an appraisal completed, even though the check had been cashed. Finally on XX/XX/XXXX the BPO was completed. To recap just a bit- I purchased this as a second home with 10 % down. I did A LOT to this home and moved permanently in XX/XX/XXXX. The mortgage is about XXXX and I could sell it today for XXXX. I have MORE THAN ENOUGH equity to remove the PMI. This company continues to steal {$140.00} every month. I have tried, and tried, and tried. I need someone to hold them accountable and do their job!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX 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 XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: IL
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:
My information has been used to open several accounts I have reported it to local authorities this has caused my credit to be in a horrible atate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CL Holdings LLC
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:
Jefferson capitol spoke with someone on XX/XX/22 account was settled and should be removed XXXX agreed to remove account when opened up a new account on my credit report with XXXX without my consent spoke with someone on XX/XX/22 around XXXX am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2020 ; XXXX XXXX  Inquiry Date : XX/XX/2020 ; XXXX  XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020

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 2022-08-03
Company: EQUIFAX, INC.
State: NY
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 questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation