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Resources for Businesses

My Home Location

Columbus, OH, USA

My BBB

BBB of Central Ohio
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Business Profile

Credit Reporting Agencies

SageStream LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for SageStream LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 70 total complaints in the last 3 years.
    • 20 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/17/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I applied for a truck loan back in late September and ********* said that my Equifax score was not available and they got a score from SageStream, which I have never heard of. SageStream reported my score as 734, which is the 75% percentile in their grading. All my other credit scores from other bureaus are in the 800s which are in the top percentages.How can this score from a company I have never heard of be so much different than the main credit companies and why is a bank actually using this unknown credit reporting company that has incorrect information.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Upon reviewing my credit report, I found accounts and it's evident that several of my rights have been violated under United States Code Law, specifically TILA, 15 U.S. Code 1666(b) Billing Error and more. I observed multiple billing errors, as per 15 U.S. Code 1666(b)(4), which says that creditors must accurately reflect payments and credits on statements. Additionally, creditors cannot treat a payment as late for any purpose. The affected accounts are SYNCB/ASHLEY HOME STORES - xxxxxxxxxxxx ****, ************* - xxxxxxxxxxxx ****. Data Furnishers claim that everything is complete and accurate, which is puzzling given the incorrect open dates and dates of last activity, among other discrepancies. According to 15 USC ****(5) they are supposed to modify accounts that isn't reporting correctly. The other ways that my rights have been violated are according to 15 U.S.C **** Section 602 A, and 15 U.S.C **** Section 604 A Section 2. These sections affirm my right to privacy and stipulate that a consumer reporting agency cannot furnish an account without my written instructions, which I have not provided. The credit reporting agencies (CRAs) are also reporting late payments on closed accounts, violating my rights under 15 U.S. Code ****e: Compliance Procedures and Accuracy of Report, and 15 U.S. Code ****s2: Responsibilities of furnishers. I have never given permission to share my information, a violation of 15 U.S. Code ****b - Permissible purposes. I composed this complaint independently, without third-party assistance.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Upon reviewing my credit report, I found accounts and it's evident that several of my rights have been violated under United States Code Law, specifically TILA, 15 U.S. Code 1666(b) Billing Error and more. I observed multiple billing errors, as per 15 U.S. Code 1666(b)(4), which says that creditors must accurately reflect payments and credits on statements. Additionally, creditors cannot treat a payment as late for any purpose. The affected accounts are OPENSKY CBNK - 462192XXXXXXXXXX, ************* 515307XXXXXX, COMENITYBANK/NY&CO - 585637XXXXXXXXXX, FIRST PREMIER BANK - 517800XXXXXXXXXX, FIRST PREMIER BANK - 517800XXXXXXXXXX, WEBBANK/FINGERHUT - 636992XXXXXXXXXX, and OPPLOANS/CC BANK - LAI020XXXXX. Yet the CRAs and Data Furnishers claim that everything is complete and accurate, which is puzzling given the incorrect open dates and dates of last activity, among other discrepancies. According to 15 USC ****(5) they are supposed to modify accounts that isn't reporting correctly. The other ways that my rights have been violated are according to 15 U.S.C **** Section 602 A, and 15 U.S.C **** Section 604 A Section 2. These sections affirm my right to privacy and stipulate that a consumer reporting agency cannot furnish an account without my written instructions, which I have not provided. The credit reporting agencies (CRAs) are also reporting late payments on closed accounts, violating my rights under 15 U.S. Code ****e: Compliance Procedures and Accuracy of Report, and 15 U.S. Code ****s2: Responsibilities of furnishers. I have never given permission to share my information, a violation of 15 U.S. Code ****b - Permissible purposes. I composed this complaint independently, without third-party assistance.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I meticulously reviewed my credit reports and uncovered troubling inaccuracies. Data ******************** some affiliated with major ************************* (CRAs), have collectively violated my consumer rights under the ***** Notably, ***************** - 526449XXXXXXXXXX consistently reported inaccurate information, causing distress for me and my family. Furthermore, my Experian Credit Report listed the same account, SYNOVUS/FIRST DIGITAL - 526449XXXXXXXXXX, inaccurately three times on my report every month. This repeated negligence ***** my credit and is against law. Another problematic entry, 1STPROGRESS/TSYS/** - 544303XXXXXXXXXX, raises concerns about data accuracy. The violations include: FCRA violation under 15 U.S Code ****a(2)(B): Exclusions from a consumer report. Violation of 15 U.S Code ****b: Permissible purpose of consumer reports, as I never authorized the sharing of my information. Violation of 15 U.S. Code ****e(b): Compliance Procedures. Violation of 15 U.S. Code ****i(5): Reporting inaccurate accounts without providing verifiable proof of my requests. I emphasize my right to privacy, protected by 15 U.S.C Code **** Section 602 A and Section 604 A, Section 2, which states that a consumer reporting agency cannot furnish an account without my written instructions, I never provided. These violations also extend to a breach of United States Code Law under TILA, specifically 15 U.S. Code 1666(b) regarding billing errors. I conducted this extensive research independently, without third-party assistance. In light of these well-documented violations, I urgently request the removal of these inaccurate accounts from my credit reports.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Today, I reviewed my credit reports and found inaccurately reported accounts. It has come to my attention that ************************* some of which are owned by the major ************************* (CRAs), have collectively violated my consumer rights as defined by the ***** Specifically, the following companies: 1ST DIGITAL/SYNOVUS/VT - 526449XXXXXXXXXX has consistently reported erroneous information. This situation has caused me a whole lot of distress and has adversely affected my family in various ways. *********/LVNV FUNDING- 526449XXXXXXXXXX was listed with the Same Account Number on my Experian Credit Report inaccurately, under Two different accounts every month! This is Negligent and Damaging to my credit. Delete both of these accounts now! My commitment to resolving this issue led me to conduct thorough research and document the violations against my consumer rights, as follows: 1. Violation of the **** under 15 U.S Code ****a(2)(B): Exclusions from a consumer report. 2. Violation of 15 U.S Code ****b: Permissible purpose of consumer reports. I have never authorized anyone to share or report my information. 3. Violation of 15 U.S. Code ****e(b): Compliance Procedures. 4. Violation of 15 U.S. Code ****i(5): Reporting inaccurate accounts without providing verifiable proof of my requests. Furthermore, I wish to highlight my right to privacy as enshrined in 15 U.S.C Code **** Section 602 A, and Section 604 A, Section 2, which unequivocally states that a consumer reporting agency cannot furnish an account without my written instructions, which I have never provided. In addition to **** violations, there is a violation of the United States Code Law under TILA, 15 U.S. Code 1666(b) Billing error... I must stress that this exhaustive research was conducted entirely by me, without any third-party assistance. In light of these numerous and well-documented violations, I urgently request the removal of these accounts from my credit reports.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Today, I diligently reviewed my credit reports and uncovered an inaccurately reported account. It has come to my attention that ************************* some of which are owned by the major ************************* (CRAs), have collectively violated my consumer rights as defined by the ***** Specifically, the following company: ***************** - 526449XXXXXXXXXX has consistently reported erroneous information. This situation has caused me significant distress and has adversely affected my family in various ways. This account (SYNOVUS/FIRST DIGITAL - xxxxxxxxxxxx ****) was listed Twice on my TransUnion Credit Repot in different ways and inaccurately, under Two different accounts every month! This is Negligent and Damaging to my credit. Delete both of these accounts now!My commitment to resolving this issue led me to conduct thorough research and document the violations against my consumer rights, as follows:1.Violation of the **** under 15 U.S Code ****a(2)(B): Exclusions from a consumer report.2.Violation of 15 U.S Code ****b: Permissible purpose of consumer reports. I have never authorized anyone to share or report my information.3.Violation of 15 U.S. Code ****e(b): Compliance Procedures.4.Violation of 15 U.S. Code ****i(5): Reporting inaccurate accounts without providing verifiable proof of my requests.Furthermore, I wish to highlight my right to privacy as enshrined in 15 U.S.C Code **** Section 602 A, and Section 604 A, Section 2, which unequivocally states that a consumer reporting agency cannot furnish an account without my written instructions, which I have never provided.In addition to **** violations, there is a violation of the United States Code Law under TILA, 15 U.S. Code 1666(b) Billing error.I must stress that this exhaustive research was conducted entirely by me, without any third-party assistance. In light of these numerous and well-documented violations, I urgently request the removal of these accounts from my credit reports.

    • Initial Complaint

      Date:08/20/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I need this inaccurate Personal Information deleted immediately. Incorrect Names: ***************************, *******************************. Incorrect Address: ***************************************************************************. Continuously reporting this incorrect personal information on my credit report is a violation of my consumer protected rights, and the ***** Monthly this inaccurate information is continuously reported. Therefore my rights are being violated monthly according to 15 U.S. Code ****e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code ****s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code ****b - Permissible purposes...I wrote this complaint by myself.

    • Initial Complaint

      Date:08/16/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Upon reviewing my credit report, I've discovered that my rights protected by the **** (15 U.S. Code ****(b) Billing error) have been violated. Additionally, I've identified multiple billing errors, thereby contravening my rights under 15 U.S. Code ****(b)(4). The following accounts have billing errors: KOHLS DEPARTMENT STORE - 639305xxxxxxxxxxxx, CB INDIGO - 534348xxxxxxxxxxxx, ******************* - 542539xxxxxxxxxxxx, and REGIONAL FINANCE CORP - 678598xxxxxx.One of the violations involves the creditor's failure to accurately reflect a payment made or credit issued on a statement. I kindly request the immediate removal of all late payments associated with these accounts. It's essential to adhere to 15 U.S.C ****b, which prohibits treating a payment on a credit card account as late under an open-end consumer credit plan.I want to emphasize that I have composed this complaint without any third-party assistance. It is my responsibility to bring these issues to your attention as they significantly impact my rights and financial well-being. Your prompt attention to rectifying these errors is greatly appreciated.

    • Initial Complaint

      Date:08/13/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I need this inaccurate Personal Information deleted immediately. Incorrect Names: *********************************, *************************,M, ******,*****,M, *************************. CORRECT Name: ****************************. Incorrect Address: ***************************************************************, ***********************************************************. Incorrect Employment: SHOE SHOW. Continuously reporting this incorrect personal information on my credit report is a violation of my consumer protected rights, and the ***** Monthly this inaccurate information is continuously reported. Therefore my rights are being violated monthly according to 15 U.S. Code ****e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code ****s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code ****b - Permissible purposes... I wrote this complaint by myself, with no 3rd Party assistance.

    • Initial Complaint

      Date:08/13/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I need this inaccurate Personal Information deleted immediately. Incorrect Names: *********************************, *************************,M, ******,*****,M, *************************. CORRECT Name: ****************************. Incorrect Address: ***************************************************************, ***********************************************************. Incorrect Employment: SHOE SHOW. Continuously reporting this incorrect personal information on my credit report is a violation of my consumer protected rights, and the ***** Monthly this inaccurate information is continuously reported. Therefore my rights are being violated monthly according to 15 U.S. Code ****e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code ****s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code ****b - Permissible purposes...I wrote this complaint by myself, with no 3rd Party assistance.

    SageStream LLC is NOT a BBB Accredited Business.

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