BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
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:
On XX/XX/21, I was invited to apply for a Paypal XXXX XXXX Mastercard without impact to my credit score. I decided to see if I was approved, and what my terms would be. Again, I wanted to do this without impacting my credit and was informed that it would be so.

As part of the application, I was shown Terms and Conditions of the offer ( s ), which included multiple interest rates. There was three different tiers of interest rates, some of which I would accept, others I would not. I understood that I would be shown my exact interest rate before accepting the credit account to be opened.

However, after submitting a preliminary application, I was not shown my interest rate, but was approved for a credit line of {$750.00}. I have also received new hard inquiries from PayPal on my credit reports. 

In order to try and make the best of the situation, I called PayPal Credit Card Customer Service at ( XXXX ) XXXX to try and understand what these mysterious terms might be that were applied to my new credit line. I thought if the terms were good enough, I might accept the card. Again, I wasn't given any understanding of exact terms before the account was opened. 

I spoke with a person named XXXX at the number listed above and inquired of her what my interest rate might be. She said that the information wasn't available yet. So, even Paypal 's own Customer Service team didn't know what my interest rate was! Yet they opened an account for me? Without knowing terms? Seems odd.

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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I filed a complaint and dispute with transunion and when I called because score had not adequately changed and online report showed derogatory items but could not see what they were and could not get a copy of my report without having to pay for it ( last one was XXXX 2014 ) and when I called them the person who answered could barely speak XXXX and was hard to understand and when I asked for a supervisor I was directed to another person who was no better than the first person. My wife tried to talk to them and they refused to talk to her and hung up and dispute has never been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received my credit report and noticed that there is an error on one of my accounts. With the XXXX pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in 1977 to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address

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 2022-11-21
Company: EQUIFAX, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 2016-07-07
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A debt collections company placed an inquiry on my credit without legal documentation of proper contact or legal verification of debt. They also did not post the original creditor. This is a transferred debt purchased by another party whom did not properly disclose information correctly and illegally disclosed information to the credit bureau without properly verifying debt legally. They did not send me a letter of verification before they disclosed information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Paypal Holdings, Inc
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX, PA XXXX equest for Investigation XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX SSN : XXXX To Whom It May Concern : I am writing regarding a serious problem with my credit report. You are currently reporting the following items that I request that you remove from my credit report : 1. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX The information that you are supplying to my potential creditors is simply in error and inaccurate. Please kindly conduct your re-investigation of these inaccurate items pursuant to your obligations under 15 USC 1681i. I expect that your re-investigation and correction of these inaccurate items will be concluded during the 30 day time period allowed by law. 

Thank you XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO 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 2022-11-21
Company: LDF Holdings, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent evergreen services notice to revoke my ach on XX/XX/XXXX, they acknowledged it. My debt management company also sent notice to revoke on XX/XX/XXXX. Friday XX/XX/XXXX they initiated a withdrawal of {$170.00}, when asked why this transaction was initiated when they were revoked they said its required, and a refund would not be issued. This transaction was revoked more than enough time in advance it should not have been initiated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Cascade Capital, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my XXXX Credit Report and noticed an inquiry from Cascade Capital , LLC who is a debt collector. They had no permissible purpose to obtain my credit report under FCRA. According to XXXX XXXX XXXX ( r ) ( XXXX ) the term " account '' is defined as having the same meaning as in section XXXX. I have never initiated any credit transaction with Cascade Capital nor had an " account '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 15. Validate Account XXXX 16. Validate Account XXXX XXXX 17. Validate Account XXXX XXXX XXXX  XXXX XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 20. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 22. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 23. The following personal information is incorrect Employers : XXXX EMPLOYEE 24. The following personal information is incorrect Employers : 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 2016-04-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.

Company response to consumer: Closed with explanation