BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi there, In XXXX of 2021, I was a recent first-time home owner and I purchased a new furnace and air conditioning for my home. The HVAC company strongly recommended I utilize Synchrony bank because of their 18 month interest-free loan program. The representative from the HVAC company assured me it was a great deal with no hidden strings and " as long as you pay the minimum each month, you won't owe any interest. '' So, the loan with Synchrony was set up, and I was sure to pay the amount recommended by Synchrony on time every month. My understanding from both the HVAC contractor and the information displayed on Synchrony 's account page was that their recommended monthly payment was based off of paying off the entirety of the loan within the stated 18 month period. Their website and literature encouraged payment at this rate, and no indication was given that their recommended rate would result in the 18 month window passing while I still carried a loan balance, and that an astronomically high interest rate of 26.99 % would be applied to the entire principle I originally borrowed. With the monthly interest rate being applied to the principle, I now owe an additional {$4100.00}. Almost half of the original loan amount. 

I contracted Synchrony today trying to understand the {$4100.00} charge that showed up, and after speaking to a manager I was told I was 2 weeks outside of their one month grace period and there was nothing they would do to mitigate the interest charges.

I believe this practice intentionally targets those with less experience and knowledge of these financial instruments. I feel mislead by not only the HVAC company but also by Synchrony. As a young adult and new homeowner, I feel targeted by bad actors looking to sign me up for these types of loans, mislead me of their nature, and hoping I never read the fine print. Before the mortgage on my house, I'd never had a loan or carried a credit card balance in my entire life. I wasn't prepared for the level of vigilance I'm supposed to maintain even for an HVAC company with a decent reputation. 

I appreciate your time in looking into this. Thank you. 

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 monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 explanation
Consumer complaint received 2022-02-27
Company: AMERICAN EXPRESS COMPANY
State: AP
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:
In Reply to : Response of XXXX XXXX Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : XXXX XXXX and its member/Agent AMERICAN XPRESSCOMPANY Inc. ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE XXXX XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding XXXX XXXX a Consumer credit reporting agency and its member AMERICAN EXPRESS COMPANY Inc. , reporting of false DECEASED inaccurate information on my XXXX Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). XXXX XXXX and American Express Company Inc., are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2022 XXXX filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your XXXX  credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following XXXX XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent XXXX Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) XXXX XXXX AND ITS MEMBER/AGENT AMERICAN EXPRESS COMPANYINC , KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS XXXX CONSUMER CREDIT FILE.. my multiple request to XXXX  and its member American Express have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine XXXX and its member AMERICAN EXPRESSCOMPANY for their continued violations of the act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: WA
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:
Equifax Your listing that CREDIT CONCEPTS account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type XXXX XXXX XXXX XXXX and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing XXXX XXXX {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is 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 non-monetary relief
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & 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 non-monetary relief
Consumer complaint received 2022-12-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
I demand the following Inquiries be deleted immediately. 
ALL LATE PAYMENTS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had a XXXX mortgage for a number of years. In 2012I XXXX was unable to work. I called XXXX, they told me that they would work with me. They forclosed on me instead. I was able to stop the sale by borrowing XXXX. They told me that I would be able to get a 2 % loan. I could never get all the documents they wanted ... I always needed one more.They have since sold my loan to Nationstar. Nationstar put me on a trial payment. They told me that I would get a better rate and a lower payment. They kept the rate the same and extended the mortgage 10 years. This takes XXXX % of my income to pay this. They have lied to me just like XXXX. I want to know what my rights really are. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXXXXXX XXXX, I sent a certified letter to AR Resources Inc to cease contacting me on a debit I did not owe. This past month, AR Resources has begun calling my cell number. I do not answer as it is from a " restricted '' number. A minute later, another call comes in and a voice mail is left for me to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : 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 explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

XXXX  Account Name - XXXX XXXX XXXX Account # XXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-26
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: Personal information incorrect

Complaint:
It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute.

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE

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