BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for CareCredit Credit Card and was denied the credit card. I was expecting to receive the reason for the denial and was informed that i was denied for " High risk source of application ''. This is the first time seeing this as a denial so I called Synchrony Bank and just with any situation could not provide me any information to the reason of denial. I have a few credit cards that are through Synchrony Bank. Its not that I havent been denied credit before its just that the explanation that I have always been given has always been clear. It was something that I could interpret by looking over my credit profile. This message of " High risk source of application '' provides no information to guide the consumer to what on my credit profile that was flagged. Two days after being I applied for a home loan and was approved with no issues whatsoever. This made me wonder if Synchrony Bank was pulling the incorrect information from my credit profile. As a consumer if I apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied. I am not expecting them to say, the specific information on my credit profile but what part of my credit profile flagged this. Since I monitor my credit profile fairly close i know if new information is added. I know nothing has changed. I feel confused. Look on the internet and there is no specific explanation to this message they provided me. This doesnt in any way seem like a reasonable expectation.

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 2018-03-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1. In XX/XX/XXXX, I had a balance of {$140.00} on my XXXX XXXX Store credit card. However, I did not receive this billing statement because I went home to the XXXX in XX/XX/XXXX. I instructed my niece to pay the balance but she was not able to do so because when she called XXXX XXXX, she did not get the balance to be paid due to their claim of confidentiality. 
2. When I returned in XX/XX/XXXX, my balance had ballooned to {$330.00} due to late payment charges and interests. I complained to XXXX XXXX XXXXat it was too much because it was not my fault that the balance was not paid. 
I was told to pay only {$230.00} and that should settle the matter. 
3. I received another billing statement for the balance of {$100.00} which was the balance of {$330.00} minus the {$230.00} that I paid. I did not pay it because of the former agreement that {$230.00} settled the matter. 
4. The amount of {$100.00} has ballooned again to {$290.00} by XX/XX/XXXX. 
and the account has been referred to collection agencies which has affected my credit history and I can not obtain any other credit card due to this matter. 
5. I sent the complaint regarding this matter to XXXX XXXX CEO, XXXX XXXX who referred the matter to XXXX XXXX of XXXX XXXX Executive Office in XXXX, Arizona who rejected my payment of {$230.00}, insisting on collecting payment for late payment fees and interest. XXXX 's tel. number : XXXX XXXX, Extension XXXX 6. I believe it is harassment and inequitable in continuing to charge late payment fees and interest on late payment fees and interest when the original amount of the credit card charge of {$140.00} which was already paid for by my {$230.00} payment. 
7. I am XXXX-year old widow with only a Social Security monthly income of {$790.00}. I am not in a financial position to pay this additional unjust charges/

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 2023-03-28
Company: EQUIFAX, INC.
State: FL
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:
I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws.

There is information that appears on my consumer report that is a results of identity theft. I did not provide written permission or instructions for the identified alleged transactions to be reported on my consumer profile/report. I am requesting that the information listed herein be blocked and deleted.

THIS NOTICE IS TO INFORM YOU THAT YOU UNLAWFULLY REPORTED AND FURNISHED AN UNAUTHORIZED ACCOUNT TO MY CONSUMER CREDIT REPORT PROFILE.

This notice constitutes a request for compliance to aid in our investigation before an identity theft report can be provided I am requesting the aid of EQUIFAX to provide proof of authorization signed and acknowledged by furnisher of source that the disputed unverifiable accounts are permitted and not intercepted unlawfully in violation of my right of privacy and confidentiality.

Trafficking my nonpublic personal information without lawful authority, verified proof of claim, verbal or written consent as permission for Proof of consent of release of information is a violation of my right of privacy and confidentiality.

Please take notice that collection, use, disclosure, and protection of Social Security numbers is can only be authorized my me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NJ
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 noticed a collection and a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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.

Has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MI XXXX 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2018-10-08
Company: American Credit Acceptance, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car loan was with XXXX XXXX in New Jersey. I have been paying for over a year. I had a 10 day grace period. 

They " sold '' my loan to American Credit Acceptance. The only thing I received from this company was a letter stating that they had bought my loan, there were no notices included, I called them. I no longer have a grace period and was informed by American Credit Acceptance that if I'm late ( even one minute ) I accrue a {$2.00} a day late fee until I make my monthly payment and  when I make the payment, the ENTIRE payment will go towards the interest only. 

Every car loan I have ever had gave a grace period. 

I am on Social Security. If they are going to apply a late fee every month and apply the entire payment towards interest only, I'll be doing nothing but supporting that company and will never have anything applied toward the principle. 

It's bad enough that on a USED CAR LOAN I have a 23.9 % interest rate ( that's right 23.9 % ), but now I'll be paying that for the rest of my life because, being on Social Security I will never be able to pay on the exact due date. 

This company is a loan shark, shylock organization. 

I asked them about refinancing and they said I need to get a loan some place else if I want to refinance as they ONLY BUY LOANS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, I had an item listed for sale on XXXX XXXX when I received a message from a lady that she wanted to buy the item. She told me that she was out of town and her daughter could meet me to pick up the item. I told her thats fine but she would have to pay me first or pay me when I met up with her daughter. The amount she owed me for the item was {$130.00}. She agreed and recommended using Zelle. I agreed and the lady asked for my information to pay me. Once I gave it to her I received a email that looked like it was from Zelle saying I had to upgrade my account because the amount of money was over XXXX . Right away the lady sent me a message as well and said she got a email saying the same thing and that she could not send the money before I upgraded my account. She said if I upgraded she would pay for it. I received another email from XXXX XXXX  XXXX saying I had to pay government fees as well. I followed The links on the email to pay. The first payment I made was for XXXX for the upgrade fee. the second amount I paid was XXXX for the government taxes. The government taxes email said I had to pay XXXX but I only had XXXX left so that is all I paid. Before I sent these payments I did ask her if we could use another form of payment because I didnt have the money to pay. The lady said that she would pay me back for them but I would have to pay them first. I did notice after the ladys name was different from XXXX to Zelle but the emails from zelle and the bank appeared very real. Once my mother reviewed my bank account we realized this was fraud and I was scammed so I blocked my zelle account on XXXX XXXX  and changed my passwords. I contacted XXXX XXXX  and Zelle on XX/XX/XXXX and reported this fraud scam and filled a dispute. I received a letter from XXXX XXXX  stating the dispute was denied and I would not receive my money back. I called them on XX/XX/XXXX to find out why and they said the dispute was denied because I authorized the payment. I told them it was a scam and fraud and that I received emails from Zelle and the bank that looked real prior to submitting the money. They said it did not matter since I hit the send button. I told them I had kept all the emails and they did not even ask to review them prior to making a decision. They were not able to tell me what their investigation consisted of and if they found the people who competed this scam/fraud. They were not able to give me that information and kept transferring me to the Zelle fraud department and no one ever came to the phone. It would put me on hold and just hang up after several attempts. I asked them why this was not covered under regulation e and they said I authorized the payment and it didnt matter if I was scammed into it. They said I was at a loss Of my {$320.00} and {$70.00} dollars that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.

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 2023-03-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Synchrony Care Credit and XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 The veterinary hospital told me to open a Care Credit medical use credit card. 
I told the front desk that I did not have income, I am a student. 
He told me to put SSI and food stamp as my income in order to get approved for the credit card. 
I did not need this credit card, i already have a XXXX credit card. 
This credit card was opened under fraudulent conditions, and should not be charged in the first place, and I should not be held responsible for the amount. 
Furthermore, the Vet hospital said we would not be charged because we told them we were low income and they would charge a third party organization for the statement. And that the credit card would just be on file. If we knew they were going to charge us thousands, then we would have left after the initial exam cost around {$100.00}.

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 2021-04-09
Company: EQUIFAX, 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:
Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute letter was sent to Equifax for a fraudulent inquiry by XXXX XXXX XXXX. The letters included a listing of the inquiries that were the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiries remain on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
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 ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Wisconsin Housing and Economic Development Authority
State: WI
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:
I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation