BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Purchase of {$3000.00} made in XXXX of XXXX with a CareCredit credit card using a promotional purchase with deferred interest if paid in pull over 24 months. I agreed to a fixed payment amount of {$120.00} at the time of purchase, spread out over 24 months to pay balance in full. Carecredit has a fixed interest of 26.99 % for my credit card for all purchases. After the initial {$3000.00} purchase, other purchases with promotional deferred interest were made. The {$120.00} payments I was making for the {$3000.00} purchase were applied to the other promotional balances, instead of the {$3000.00} purchase. If my balance kept increasing, why was my minimum balance not changed to allow for payments to all three promotional balances so that no deferred interested would be charged. XXXX of XXXX until XXXX of XXXX, no payments were applied to my original purchase balance. They were all applied to balances that were to expire sooner. Synchrony Bank does not state this practice anywhere, instead they state it is as they choose. The Credit Act of 2009 states that payment is applied to that with the highest interest rate, in my case, all purchases on the card have the same interest rate. They did not notify me that they would be applying payments to promotional balances expiring sooner. I made payments on time, every month. I was not notified of the practice of " Sychrony chooses what to pay without notifying consumer ''. 
And, since the deferred interest has now been charged to my account, there have been no payments made to that balance even though I am currently being charged interest on that- which goes against that Credit Act of 2009.

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 2023-06-06
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sold my home XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/2020. Prior to this I did a loan modification with Wells Fargo because I was behind on my payments. I believe additional fees and costs were added to the loan when the modification was completed. When I sold the home the total owed due to modification was approximately XXXX. I was no where near delinquent to this amount Prior to the modification.

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 2023-04-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Car was purchased and salesman deceptively added on two packages saying they came with the car already. I have package that does not work. XXXX doesn't exist. I have tried to call and email them, even Toyota has tried to call them only to be sent to voicemail from two different phone numbers. The website they created to submit a claim only responds with an error 500 code. I don't even think they applied the XXXX to the car because unlike the product advertises " Our hydrophobic chemistries are specifically formulated for maximum stain protection on leather/vinyl surfaces as well as fabric/carpet ''. There was a water spot stain on my seat on the first day I received the car. Again, the stain was already in my seat and the dealer said I could contact XXXX to fix it. Its been over 2-3 weeks and all Toyota financial has done is say they will call me back and then never call. I just want my money back for this bogus package that wasn't even applied to the car and doesn't work. There was also an employee there who sent an inappropriate picture. At this point we have begun research on looking info auto fraud. If that is the only way that we can actually achieve a resolution for this situation, with this picture we probably can get the entire car paid off. Is that what you want Toyota, I'd love it for you to pay off my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-15
Company: EQUIFAX, 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:
the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  ; # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 record 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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX 2023.I filed a claim with bank of america edd card services.I never received my card.Bank of america told me that within ten days I would received a temporary credit.I have not received anything.Its been over ten days.When I called today to ask about the credit the person at Bank of america told me that my claim was still pending.Bank of america is suppose to give a temporary credit when fraud is involved.I haven't received any money.

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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Make payments, lower my credit limit than that would run my credit score and raise and repeat

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 2023-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase for {$3700.00} on XX/XX/XXXX. I expected to receive the goods purchased on XX/XX/XXXX. 

I did not receive the goods I purchased. 

I contacted the seller XX/XX/XXXX, XX/XX/XXXX, and XXXX with no response. 

I disputed the charge with XXXX on or before XX/XX/XXXX, approximately one month after I was to receive the merchandise. 

Fifth Third indicates I did not dispute the charge in time and owe the full amount. The credit card agreement is not clear to me regarding what timeline applies to this situation. I disputed the charge within approximately 30 days of not receiving the merchandise. 

Fifth Third did not communicate what actions, if any, they undertook to contact and/or try to recover amounts paid to the seller. 

This is the second time this year XXXX XXXX XXXX has adjudicated one of my disputes concluding I owe the amounts. I suspect XXXX is acting in bad faith, failing to adequately review and remedy disputes, rather simply concluding the amount is due. 

The other disputed transaction involved receiving merchandise completely different than what I purchased on or about XX/XX/XXXX. I provided clear evidence I did not receive the product I purchased. Not the same shape. Not the same manufacturer. The only similarly was color. This was abundantly clear from the evidence provided to XXXX. Astonishingly, I received a letter from XXXX concluding the purchase was valid and I owed the {$4000.00}. It was back on my credit card statement XX/XX/XXXX. I looked at the evidence upon which XXXX made their determination and pointed out that the seller clearly altered the invoice as it contained an XXXX date. XXXX replied we have not received any information that indicates that our determination was in error or that we should re-open our investigation. You would think pointing out that the seller fraudulently altered documentation, by providing my copy of the invoice which is clearly different, XXXX would have reached a different conclusion. But their goal isnt to carry out the inquiry in good faith, rather just get the customer to pay and move on. 

These two charges combined represent a significant sum for the average consumer. Nearly XXXX  XXXX. XXXX dispute team is not investigating these disputes in good faith and adjudicating them honestly. I would greatly appreciate the CFPB oversight to hold XXXX  accountable to conducting their credit card business in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Risecredit, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I talked to rise. I was paying on time, but then I've noticed that the interest rates has increased tremendously. They charged me XXXXXXXX XXXX extra for XXXX ... At first they didn't say that. They told me that it would be XXXXXXXX XXXX at the end of my payments... I called to discuss this letter they sent me... So I've had already paid them two times ... And they have on my credit report in owing more than XXXX XXXX. I truly believe that Rise is a scam, and I will like to take them to arbitration... I told them the sole reason for getting the loan was to better my credit... I also told them that they are charging too much for the loan and that it wasn't the amount that I had the first time. I truly believe that Rise has someway of changing the amount due to hacking... I strongly suggest that you guys make an investigation of what I've stated... I can't be the only one. I believe that they are scammers... They made me so upset that I was using profanity... I'm a better man now, but then I didn't have the patience or self control that I needed to just find a better way to handle the situation... Now they on my credit report... I will like for them to be taken off my credit report, because of my assumption of them being scammers and obsessive interest charges...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX,XXXX, XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX : {$22000.00}

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 2023-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of XXXX XXXX XXXX whose address is : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my XXXX and Experian credit reports.

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