BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I had a dentist appointment. At this appointment it was determined that I was going to need major dental work performed. The cost of this work was over XXXX. I asked my dental office if they had any type of payment plans that would allow for monthly payments in lieu of having to pay all at XXXX time. The office manager took me in her office and gave me an ipad and told me that I could apply with Carecredit, apparently a subsidiary of Synchrony Bank. I filled out all the information, I had to take a picture of myself and upload a copy of my driver 's license.It kept rejecting the copy of my photo id and I had to reload it several times. When I thought it finally went through with a clear enough copy I got a message saying it could not complete. I then called the company to verify they had what they needed and was told that my application was denied and that I would receive a letter and they could not tell me why but they did get a satisfactory copy of my photo id. I have dealt with credit for the last 35 years ( XXXX XXXX XXXX in the Mortgage business ) my credit score is in the XXXX 's and I have very little debt. There is no way I should have been denied. On XX/XX/XXXX, I received an email with the following determination " Unfortunately, based on the results of these checks we are unable to confirm your identity with enough confidence to approve your application at this time. I am perplexed to determine exactly what this means. I called them this same day to ask exactly what this meant and what I could provide them for them to be able to approve my application. The person I initially talked to said she could only tell me that it was denied and nothing else and that there was nothing I could do to fix it. WHAT??? I asked for her supervisor as this was an unacceptable answer to me, that it couldn't be fixed. I then was transferred to a supervisor named XXXX and she reiterated the same thing. I then asked for her supervisor and was connected to an XXXX with the same results. During my conversations ( not sure which one said it as I spoke to 2 different supervisors ) they told me I could re-apply. I then went to their website and re-applied ( XX/XX/XXXX ) to see if I got a different outcome and received a XXXX denial for " prior application submitted too recently ''. Really, the supervisor didn't know this before telling me this. I think this is totally unacceptable and should have been able to provide me with what they needed to be able to approve my application. I have since had my dental work done and had to pay it in cash which I did not want to do. I am attaching both letters received.

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 2023-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attachment letter for errors on my credit report. 


XX/XX/XXXX XXXX XXXX XXXX XXXX Executive Office XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX XXXX XXXX ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with XXXX XXXX XXXX Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. 

I hereby give your company XXXX XXXX XXXX Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.

1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from XXXX XXXX XXXX Bank. ( See attachments ) 3. Return all monies ever paid on this account. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX 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 2021-05-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by CMRE FINANCIAL SERVICES , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled by the medical serve companies for unnecessary procedures and I had insurance at the time, which they failed to bill, although all this information was provided to them. I tried to get a fair solution over the phone with CMRE but it was denied. 

Im dealing with a very severe issue, that has caused me tremendous harm, but has a simple solution. I will pursue this matter in arbitration for damages and injunctive relief. CMRE FINANCIAL SERVICES XXXX INC. Has committed multiple violations on my reports, dragging my score and having my financial freedom tied up because of their negligence : Violation of California Credit Reporting Act. 
Negligence. 
Unfair Business Practices Failure to report account as disputed. 
Misrepresentation of facts. 
Account has been re-aged. 
Reporting wrong last activity date. 

Account information : CMRE FINANCIAL SERVICES , INC Account Number : XXXX XXXX Date Opened : XX/XX/19 High Credit : {$1700.00} Account Type : Collection Remedy : Deletion of accounts from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Department of Education account in collections was opened in XXXX and never paid on at 0 %, having nothing to do with the other secondary loan, I paid off with Dept of Edu ; these are separate accounts. However, the collections dept is reporting my debt as one and it shows I went into default in XXXX. This means my Dept of Edu account should have never reported/past/came off in XXXX and not been reported to the credit bureau because it was already in default for seven years since the day I opened it in XXXX ( because I never paid back any amount due for this loan over XXXX now ). Therefore, I am not responsible for the default of charges after seven years from being reported on my credit report, whether or not the collection agency wants to take on the debt themselves, it was already in default and should not be reported if they give the correct non payment date information as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX notice some unauthorized inquiries appearing on my credit report. I have listed support and documents below. 

I did not authorize this inquiry XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry 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 explanation
Consumer complaint received 2023-12-07
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting 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 Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
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 submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly. I demand a proper investigation or the removal of the account above mention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: RI
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX I sent XXXX letters with proof of identity to TransUnion asking them to remove the fraud alert from my account. When I did not hear back from them I called in XXXX times requesting the fraud alert be removed from my account. Every time I called in I was told to send specific information in the mail to them and they would take care of it. I sent the information in XXXX separate times after XXXX separate phone calls and they never removed the fraud alert. I have had no issue with removing the fraud alert from XXXX or any other credit reporting bureau.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$21.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$28.00} ; XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-13
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:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXI never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my Credit Report under Experian today : ( XX/XX/23 ), it was again discovered that the Student Loans in my name serviced by XXXX are portrayed as current debt. However, these loans are presently in forbearance. Therefore, since these loans are in forbearance, my Credit Report should reflect that these loans are in forbearance and not indicated as current debt. In addition to this issue, my Credit Score under the Experian Credit Bureau plummeted XXXX points. No explanation was given. It appears these problems only happen to XXXX XXXX XXXXXXXX. At this point, I am frustrated. If Experian doesn't correct this problem, legal action will be pursued. There are many XXXX XXXX XXXXXXXX experiencing this same problem. Class Action is definitely an option. Hopefully Experian can willingly resolve this matter.

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 2021-05-12
Company: Experian Information Solutions 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:
MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.

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 2021-05-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
I had an account Nissan motors and paid XXXX I made the payment and was advise that it would be removed and deleted from my account. It has been posting in good standing prior to payment. In XXXX it was now reporting as bad debit charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed on my first new home on XX/XX/2023, and took a loan for {$690000.00} with a 6.5 % interest rate. This was an interest only mortgage. {$4900.00} was paid at closing. Of this amount, {$1300.00} went to Interest and {$3500.00} went to Escrow. 

On XX/XX/XXXX, my first mortgage payment was due and {$5500.00} was removed from my checking account on Autopayment ( {$3700.00} of Interest and {$1700.00} to Escrow ). 

For whatever reason, the bank made an error and is saying they sent me back {$1700.00} and I still owe my XXXX mortgage payment and now my XXXX mortgage payment which was supposed to be auto-debited, and was not. 

Therefore, Citizens Bank has made multiple errors in this process : XXXX ) Stole the money from my first mortgage payment, and is saying I didn't pay it ( even though they have records of my payment ), 2 ) Not auto-paying my 2nd mortgage payment or allowing me to make a 2nd mortgage payment and stating I owe 2 mortgage payments values, and 3 ) The most critical thing to overcome is that Citizens Bank filed a report with the Credit Bureau saying I missed my first mortgage payment, which is categorically false and this is the most important thing that must be resolved on their end. As my credit score dropped nearly XXXX points from Citizens Bank 's gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-11-11
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened an account with PayPal in XXXX of XXXX and was getting my unemployment checks directly deposited into my PayPal XXXX account during Covid-19. I was unable to get out and open a regular checking account at the time due to the stay at home order in place in my state. PayPal was recommended to me by my granddaughter. In XXXX of XXXX, I received an email asking for several identity verification measures, which I uploaded immediately. I continued to use my account and have my unemployment benefits deposited into my PayPal account. On XX/XX/XXXX, my account was permanently limited unexpectedly and my funds were frozen. I was struggling to cover my bills due to Covid-19 when PayPal refused to allow me access to my funds. I was informed that after 180 days I would receive an email with instructions on withdrawing my remaining {$1900.00} from the permanently restricted account. I waited 180 days and did not receive the email from PayPal, so I began attempting to contact them. I was never able to speak to anyone that was able to give me any answers or help in any way. I continued to call and message PayPal for help withdrawing my personal funds from a permanently disabled account, but always got the same response that a message was sent to the front office. After months and months of attempting to contact PayPal unsuccessfully, I filed a dispute with the XXXX XXXX XXXX on XX/XX/XXXX. I finally received a response from PayPal, but they still refused to give me access to my personal funds. Their response was that they are not obligated to release my funds and if I have further questions to email the US Secret Service. I emailed the address that was included for the Secret Service, but have yet to receive any correspondence from them. I have also emailed PayPals Office of Executive Escalations at the address attached to the XXXX  claim, but have yet to receive a response from them either. I have made every possible attempt to settle this problem with PayPal, but after over 2 years Paypal is still denying me access to my personal funds. I do not want them to reopen my account, nor would I ever do business with them again. I am only requesting that they allow me to link my XXXX XXXX XXXX account and withdraw my funds from the permanently closed PayPal account. I would accept a paper check sent to my address, if that would be easier for them, but I want my money out of PayPal immediately.

Company response to consumer: Closed with monetary relief