BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied for credit card at SAMS CLUB issued by SYNCHRONY BANK to pay for my total purchase and future purchases. I was instantly denied and sent an adverse action notice. The adverse action letter states that the decision was based in part on a credit scoring system that was used to evaluate my request. It stated that the most significant reasons where I did not score well are listed below : Revolving account balances are too high in proportion to credit limits, too many recent inquiries, not enough total credit line, and recent over limit on a bankcard account. It states that some of the information used to make the decision was obtained from the consumer reporting agencies : XXXX and XXXX. As stated in the Adverse Action Letter and Congressional Findings ( 15 USC 1691 ( a ) ( 3 ) ), The Federal Equal Credit Oppurtunity Act makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis, because the applicant in good faith exercised any right under the Consumer Credit Protection Act. I exercised my right by applying for an extension of credit with SAMS CLUB and provided all of the information that was asked for and I was denied. I have been denied an extension of my credit after applying for a credit product at Sam 's Club issued by SYNCHRONY BANK. Which means that, at that point after I applied, I should not have been denied or discriminated against, because that is unlawful. SYNCHRONY BANK has violated my right and discriminated against me by willingly, knowingly, and unlawfully denying me an extension of my credit. The factors that have been listed above about the decision of my credit has no relevancy as to why I was denied an extension of credit and discriminated against for just applying for the extension of credit. The denial of the extension of credit has been detrimental to my credit file. It has been reported on my XXXX and XXXX credit files and it is affecting me getting credit extended with other creditors. I have been denied several times due to having this inquiry listed in my credit report. It has been no benefit to me but more of a deterrent to applying for credit.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from Transunion that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.

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 2022-04-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Macy 's ( Citi Bank ) card. A purchase was made in XX/XX/XXXX. I never received an e-mail, call or a statement in the mail until XX/XX/XXXX. They ended up charging {$160.00} in late fee 's. They said they are only allowed to remove XXXX and wouldn't remove all XXXX. I paid the bill in full when i realized that it was not paid. They are still trying to charge me for {$80.00} when I never received anything as a payment due. They should not be allowed to charge late fee 's when they never tried to collect the debt or let me know that a payment is due. I paid the charge and would pay the interest but the fee should be removed.

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 2023-10-28
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Payment came due, while working out of town. My friend tried to pay the next day but they wouldn't allow her to. I called and they said I had to make the payment in person bc I was a day late. I told them the kind of work I do I will be gone for a while. They told me they couldn't help me. So after a couple days go by, someone calls me and say I can pay by the customer portal. I have been trying and it keeps giving me a network error. I have reached out to them several times and my assistant, bc I use my truck for my business. Now I have extra fees added to my account when I made multiple attempts to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: SC
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. 


XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each 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 2022-04-21
Company: John C. Heath, Attorney at Law, PLLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In the month of XXXX XXXX. I was contacted by lexington law who informed me about a discount for service I gave them my debit card number. When I check how money was token off my account it was the full price. I immediately contacted lexington law and decline service. Another month pass by. I contacted lexington law and made a inquiry and found out they didn't provide me with any services and inform me they will refund me in a check because the debit card number on my account changed. Months went buy I contacted them on XX/XX/XXXX, and decline the refund saying the money was sent to the debit card number that was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax removed several accounts but XXXX refused to. XXXX just verified the debt again with no proof and they just reappeared on Equifax with out proof again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I closed my account with XXXX XXXX Bank. The bank then about a week later sent me a confirmation email about me closing my account. A month later, the bank then placed a late payment on my credit report, which is inaccurate. I have disputed this late payment with them to no avail. I contacted TransUnion and mailed in all of the documents showing that I could not have been late, as I no longer had an account. The only thing TransUnion said it could do is open a new dispute. I am sick and tired of disputing, they need to just remove this from my account before I take them to court! The information is simply 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: AL
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. 

XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX NA -Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
On or about XX/XX/XXXX I opened an account with Affirm, Inc for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now Affirm is still reporting a balance and collection or negative account to all three credit agency 's. I have filed three disputes through XXXX and Affirm is knowingly providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit//my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-03-05
Company: EQUIFAX, INC.
State: TN
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'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been monitoring my credit report closely in attempts to better my financial situation. I noticed a NEW account that states it was Opened in XX/XX/2023. The company Midland Management is reporting an old account that to the best of my knowledge was closed as I attempted to make payments on this account over a year ago and the website ( XXXX ) stated my account was closed. I do not recall receiving any information regarding this account since then. I assumed the account was closed. They have recently added this as a collection with no notice. I have attempted to dispute this with the credit reporting agencies. I believe they are trying to RE-age this debt. Also I believe the total amount is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 15 USC 161a2 these companies 1.XXXX XXXX  XXXX {$590.00} 2.XXXX XXXX XXXX XXXX {$8100.00} 3.XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern ... ..I have done a number of investigations on my credit report and notice several issues...... I have also maintained a subscription with XXXX so i can manage my credit report ... ... Im constantly harassed with promotion to add to a already expensive subscription., and still there are multiple errors, misspelled names, wrong addresses, and accounts. This unfortunately is my fourth attempt with this company ... .U nder 15 U.S Code 1681 e ( b ) and 15 U.S Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate information. The credit reporting agencies stated these accounts were investigated and came back verified. This is obviously not true for there major errors, several inaccuracies ... ..As a consumer I request all the steps your agency took to insure these items were % 100 accurate under 15 U, S.C S 1681 ( 7 ) Method of verification description of reinvestigation procedure. 
Accounts- XXXX  XXXX {$2000.00}, Accounts-XXXX XXXX= {$2600.00} XXXX XXXX {$5200.00} AccountsXXXX = {$12000.00} Account XXXX XXXX = {$4200.00} Accounts-XXXX XXXX= {$1000.00} Please delete these errors 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Omega RMS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Omega RMS, LLCs collection letter, dated XX/XX/XXXX will be sent to Omega RMS , LLC electronically, via CFPB 's portal to ensure receipt, and to the address referenced above, via certified mail, for record keeping purposes. ( Letter was sent on XX/XX/XXXX, via USPS ). I do not owe this debt or any debt to Omega RMS , LLC or to any third party Omega RMS , LLC is stating to represent. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
V/R, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXX  The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.

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