BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied for a credit card and Synchrony can not explain why. I have an Ashley Furniture credit card through Synchrony Bank that I have had for a little over a year. My minimum payment every month is {$28.00} and I pay at least {$50.00}, and it is always paid early. I only have {$400.00} left on the Ashley Furniture balance so I applied for a credit card at Rooms to Go through Synchrony Bank in order to purchase new living room furniture. I received a letter on XX/XX/20 stating my credit application was denied due to " unsatisfactory payment history with Synchrony ''. I called their customer service number immediately and was advised that they have no access to my credit report and my only recourse was to write a letter to dispute the denial or call the credit bureaus. I asked if there was another department I could call to talk to someone, as I want to make sure my questions get answered and I was advised by the customer service rep that they do not have a phone # to provide me. 

I obtained all 3 of my credit reports immediately after speaking with the agent ( on XXXX ) and ALL of my reports show NO late payments on ANY account, and my credit reports show that I am an excellent risk. I take pride in maintaining a high credit score ( currently over XXXX ) and making all payments in full and earlier than the due date. Additionally, the denial letter states the reason for denial is unsatisfactory payment history WITH Synchrony - they should be able to look into my payment history and tell me what the unsatisfactory history is, because all of the credit bureaus indicate that I have paid Synchrony on time always ( which I have ). 

On XXXX, I logged into my account online and " chatted '' with an agent. The agent told me to call the application department and provided a phone #, however, the agent was also unable to tell me what my " unsatisfactory payment history '' was. The agent then transferred my chat to a manager who told me the same thing - they could not advise why the application was denied and that I needed to contact the credit bureaus. I advised the manager that the credit bureaus show excellent credit and no late payments, so I wasn't sure what I would even ask them/say to them. The manager told me that they make their decision based off of the credit bureaus and I again told him that the credit bureaus show near-perfect credit. I asked the manager who ultimately makes the final decision whether to approve or deny the application and he advised me that Synchrony does in fact make the final decision. But no one can seem to explain why my application has been denied and I am continuously directed to the credit bureaus. Synchrony made the decision to deny my application and they can not explain why.

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 2021-03-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello! 
Most respectfully, It is stated that I am a professional XXXX. I do have a lot of International XXXX from different countries Nd i giving them assistance and XXXX them and getting paid from them on hourly basis so i got the paypal as the best and safest method for sending and receiving money. As I was a new user i didn't know about Paypal acceptable use if policy and they hold my {$420.00} XXXX Dollars for 180 days on XXXX XXXX, XXXX without any warning and Emailed that they don't longer want my business with paypal and i can not use it anymore. Even i referred Paypal to many students to pay me on this platform. On XXXX XXXX, XXXX I got paid from student around {$110.00} USD as friends and family and did dispute after that. I don't know why he did that and he blocked me and paypal took payment from me give him back and the total payment was of around {$300.00} USD and the student oaid me in 3 payments from different paypal accounts and after taking help he disputed all payments and paypal closed my account. It's only in sender hands whether they would like to oay as friends and family or with goods and services so what's my fault as he sent payment as friends and family and did dispute and i being a new user paypal screwed me up and closed my account and hold my payment and not even responding me. I am suffering a lot of headache and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : XXXX. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of 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 explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXT XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX & CO XXXX XXXXR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX DC XX/XX/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 2019-03-18
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I contacted Equifax to dispute 3 accounts with no creditors listed that were reporting on my credit file with Equifax. They were informed about the missing information on several occasions beginning in XX/XX/XXXX/XX/XX/XXXX & again from XX/XX/XXXX to XX/XX/XXXX. 

The accounts are as listed : XXXX for {$220.00} XXXX for {$240.00} XXXX for {$120.00} After disputing these accounts with Equifax they sent a report that stated all the accounts were verified but haven't stated who the credit is supposed to be not even a Name or Address of the creditor 's who I supposed to be in debt with. 

All accounts that are listed are violations for that reason so I would like for those accounts to be immediately removed from my credit file and to receive an updated credit reflecting those changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX 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 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep dissatisfaction and frustration with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this issue. I have been diligently working to address these inaccuracies for an extended period, and the lack of resolution has had a detrimental impact on my financial standing. 

Despite my numerous attempts to address this issue with your agency, the fraudulent items persist. I have engaged in written correspondence, submitted supporting documentation, and made phone calls in an effort to resolve this matter, yet the inaccuracies endure. 

Enclosed with this letter, please find additional supporting documentation reiterating the fraudulent nature of the items in question. I have attached : I request that your agency undertakes an immediate and comprehensive investigation into the fraudulent items listed. The continued presence of this inaccurate information is causing substantial harm to my financial well-being, and I insist on prompt corrective action. 

If a resolution is not achieved within a reasonable timeframe, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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 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 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

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by Transunion. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via Transunion. This time I created an account with Transunion and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called Transunion ( who were not very helpful ) but was able to determine that a company called " XXXX XXXX XXXX '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called XXXX XXXX XXXX in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point Transunion says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( XXXX XXXX ) will be " officially '' notified of the fraud. In the meantime, XXXX is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. Transunion says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to Transunion with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting a review of the attached documents. I would like the bureau to initiate an investigation into the accounts that incorrectly label me as late, despite my consistent on-time payments.

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 2020-04-13
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:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the same problem with all 3 credit reporting agencies. XXXX XXXX XXXX has corrected my credit report for XXXX XXXXXXXX XXXX. Please help me ask Experian to make the correction as soon as possible as they are causing great stress to my financing of my first home purchase. Thank you very much.

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 2022-03-07
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My previous mortgage company didn't pay any taxes for fiscal year XXXX ( XXXX nd XXXX of XXXX and XXXX and XXXX of XXXX ) which resulted in a lien on my property and a interest and other charges of {$740.00} I have an escrow account and they never mentioned that they are not paying or failing to pay my real estate taxes. 
I now paid all the outstanding dues and now have to go through the process or removing the lien. I would truly appreciate if you can help with this issue. 
Attached is the 1098 from my previous mortgage company ( they transferred it to a new mortgage company starting XX/XX/XXXX ). Also a statement from the city outlining the payments I made and an excel highlighting the amounts. 

Company : The money source Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
1. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Not Authorized 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 3. XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Not Authorized 4. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Not Authorized 6. XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not Authorized 7. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Not Authorized 8. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Not Authorized 9. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Not Authorized

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSWORLD SYSTEMS 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:
I received an alert that negative information had been reported on my credit bureaus. Upon investigation, I see an entry listed for one Transworld Systems possibly related to a creditor named " XXXX XXXX. '' I have never done business with any company by the name of XXXX XXXX or Transworld Systems. 

I have disputed the reporting with Transworld Systems and requested verification of the debt, but have not received a response. 

I have received no letters, phone calls, or other requests for payment from anyone related to this matter. 

I mailed the dispute and request for verification to : Transworld Systems XXXX XXXX XXXX XXXX, DE XXXX I want this negative reporting removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation