BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have alerted this financial institution I was a victim of ID Fraud and that I was a XXXX at the time of account opening and that it was not me. I provided a police report, FTC report, and my government issued ID. Still the account was found liable and I was held responsible. How can a credit card company hold a XXXX liable for a account that had supporting legal documentation. During the time of the investigation I was told to not make payments, as I wasn't responsible until after the claim was finished. I was still charged late fees, interest, and even had late reporting sent to the credit bureaus. I disputed but nothing was deleted. Also, the incorrect date of birth as well. I want this account and all negative history to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
In XX/XX/XXXXXXXX  I've purchased a new vehicle from XXXX XXXX. The loan was financed by Trust Bank. Various services were included in the financed amount, such as extended warranty, maintenance contract, etc. In XX/XX/XXXX2023 I've sold that vehicle, consequently, cancelling additional services : such as maintenance program. After cancelling maintenance program, check # XXXX in an amount of {$1200.00} was issued and sent to Truist Bank, who was suppose to sent it my way ( I don't know why they made it so complicated ). It was cashed by Truist on XX/XX/XXXX, and Trust never sent these money back to me. I've provided all possible requested iformation Trust wanted and still refuse to reimburse me. 
Could it please, help me to fight such injustice. 
Thank you so much for your help.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-22
Company: Brennan & Clark, Ltd., LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my two XXXX  accounts on febraury XXXX after going back and fourth for a few months with the service representatives about closing my accounts. I contacted the client service manager about the what was going on ; She finally closed my accounts out for me and the balance was at XXXX she stated on XX/XX/2023. Then I got charged XXXX from the 401k department on XX/XX/2023. So I emailed the client service manager back and asked about the charge. She said that I would have to contact the 401k department about the charge. So I called them on XX/XX/2023 and asked could I be refunded my XXXX because I was no longer with XXXX ; I dont want to do services with XXXX because of the horrible customer service. The customer service representative said that he would email me the paperwork to terminate the 401k in two days. I got an email on XX/XX/2023 and it said that I had to pay the XXXX to terminate the 401k. I emailed the customer service agent back and said I dont want your services anymore. I just want the service terminated I dont need a 401k from you all. The customer service representative sent me an email today saying that he couldnt help me with anything that I was asking for. They are refusing to terminate my services because they want to keep charging me the XXXX every month. Today I also received an email from a debt collection called Brennan and Clark from XXXX XXXX Illinois they sent me an email saying that I owe XXXX  XXXX. I dont owe XXXX  anything because my balance was cleared when I closed my accounts on XX/XX/2023. I called them today which XX/XX/XXXX and asked the customer service representative about the email I received today on XXXX XXXX from the debt collection agency Brennan and Clark from XXXX XXXX, Illinois and the service representative said that she couldnt help me because it had already been sent to a collection agency. XXXX sent my account to collection in order to tarnish my credit report because I reported them in for overcharging me. What they are doing is wrong and I want nothing to do with XXXX  services. I feel as though I am being discriminated against by XXXX because I spoke up about the unfair treatment I have been receiving from the awful this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I ( XXXX XXXX Military, XXXX XXXX ) purchased a product through money transfer service XXXX through the USAA Banking XXXX. Sent {$880.00} from my savings account, through XXXX on the USAA Banking XXXX on XXXX XX/XX/2019. Transfer completed on XXXX XX/XX/2019, verified from USAA. Called and texted seller, did not receive any update or word on the money being received and/or product being shipped. Filed a dispute with USAA to obtain a refund on XXXX XX/XX/2019, they denied any responsibility and did not issue a refund. Called XXXX and they only referred me to my banking service and said I have to obtain a refund through USAA. 
Now I have no product, {$880.00} was stolen from my savings account which USAA nor XXXX will not refund even with proper disputes and proof. I intend on moving this case to the Military Judge Advocate and legal services if not resolved. 
My wife and I are XXXX ( moving ) to another duty station at the end of this year and this money is extremely important to us, it can cover moving expenses, rentals and food while moving. I have been with USAA a long time and the fact that they are denying any help at all in this case is extremely saddening, if this can't be resolved we will look into other banking services that can provide buyer/user/veteran protection for money transfers. 

Please help! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Atlanticus Services Corporation
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 aspire credit cards. I had never been late or missed a payment since opening both accounts until late last year when I paid on the app at the same time I had done each month prior when one credit card showed a late fee. When I contacted the company they informed me I had made my payment to early and it was applied to the balance instead of being listed as a payment. I had made the payment through their app and when I did it said I had made a payment and my account was current. I then had to make several additional payments to catch that account up. At that time I requested they close that account so no more fishy things happen. I had no problems with the account I had left open until I went to make a payment on the app and this time with the other card when I tried to make a payment it said I was using a credit card and denied the payment. I was using a debit card so I tried it a few more times and then took a screenshot of what ot was saying. I then callled the company and made an automated over the phone payment using the same debit card and it went through without a hitch. I then contacted customer service to ask why my debit card had failed on the app only to be told it was declined because I didnt have enough money in my account which wasnt the case at all as I had already made the payment on the phone. I then said this wasnt the first time with the app problems and when the app problems occur it costs me money. The customer service of aspire likes to gaslight and blame the consumer. I explained to rep that I had taken screenshots of what had occurred and there seems to be a bug that costs money in the app. After a few go arounds of telling me that there is several reasons that the app might not take my debit card. ( this was after I had already used the same card via the phone ) I told him that I wanted to contact someone within the company to try and diagnose what was going on. Because o knew from my previous experience with this company that getting this escalated wasnt going to occur as they simply dont let you get above the supervisor that is online at the time. He gave me an email address which was XXXX which I sent and email to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: MD
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:
From XX/XX/XXXX to XX/XX/XXXX, I submitted several disputes to Equifax asking them to correct my name and mailing address, and to delete other name ( s ) and home addresses that are inaccurate. To date, that has not happened as there are always stall tactics ( responses ) to delay changing or removing inaccurate information from my credit report. I have provided proof such as a driver 's licenses, my Social Security Card, and marriage certificate on many occasions, only to receive numerous bogus responses without action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-01-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCO has an account in my name that is affecting my credit report negatively, I believe this was a result of identity theft, however they refuse to remove it from my consumer report. I even went as far to settle with them but they backed out on the settlement because I refused to pay the full amount because they knew I was in the process of buying a home so they tried to use that as leverage. I declined as asked them to verify the debt and validate it, to which they did not after numerous request only after I filed a complaint in CFPB they claim to have instructed me to send them proof of residency during certain time periods. I never received any instructions or what documents to send to prove residency so they can remove this as a result of identity theft. I would have sent them that instantly because I was out of the country during that time period and have credit card statements to prove it with a XXXX XXXX  mailing address to which I have attached here. FCO needs to remove this account immediately from my consumer report within 72 hours. I have been patient enough. I am also considering taking legal action as they have violated FCRA regulations as well causing financial stress because of this inaccurate derogatory information on my consumer report. I ask that you resend your instructions here in this platform to ensure I receive them because I have not received any communication from your company unless it was to pay you a certain amount. It is only after I reported them on this website they claim to not accept any settlement for identity theft to cover their tracks well please attached credit card statements to prove my residency. You can not try to defraud a military member because we keep all documentation.

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 2023-05-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Syncb is suing me in court for an disputed debt that has not been validated as to be mine. The debt has been disputed and legal action was their first form of communication regards to this allege debt.. My personal information was sold and brought in efforts to collect a debt for profit and gain. I have never a signed an agreement or contract with Synccb. 

Pursuant to ( 15 USC 1692 ( k ) ) states any debt collector who brings on any legal activity must have a signed contract or agreement in which you are suing the consumer for. You are not authorized to bring forth any legal actions against me regarding an allege debt. Any debt collector who fails to comply with any provision of this subchapter in 15 UCS 1692 with respect to any person is liable to such person in an amount equal to the sum of nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

USC 15 1692 ( e ) States a debt collector may not use any false, deceptive, or misleading representation or any means in connection with the collection of any debt. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
The false representation ofthe character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Their attorney communicated with me in court and stated that I had to pay their allege debt or go back to court. My rights to privacy has been violated for this debt and has become a public matter. This company willfully took action to enforce liability on me. 

This has affected my credit worthiness, ratings and reputation and has caused physical, emotional damage.

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 2024-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit 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 an online purchase on XX/XX/XXXX in the amount of {$730.00} item was delivered at the front door. I wasnt home when the package was delivered. I did get a email stating the package was delivered. The package was stolen off front porch. I notified the company that I didnt receive the package. I was asked to notify the XXXX carrier who delivered the package which I did to complete the investigation process. The carrier notified me a few days later he delivered the package at the front door. I than proceeded to call the Macys credit card dispute department asking if they can reship my package with a signature required. On XXXX XXXX And that was declined. So at this point I asked the company if I can file an another dispute on XXXX XXXX requesting a refund since the reshipment was denied. 
I was than getting letters in the mail stating the dispute was denied. And the investigation was taking 1 to 2 billing cycles so than I proceeded to reopen the dispute and i received yet another letter stating the dispute was denied I kept reopening this same transaction and filing the dispute ever time the company denied the dispute. All the way till XXXX XXXX I kept calling every week to get the status on the dispute and I was getting the run around and being on hold for hours just to wait for a super visor to say they will look in to this and see what they can do. They would pass me over and over to another agent I would be on hold for hours.just for this not to be resolved. and that the company made there final decision and the dispute is denied. That theres nothing the can do. I told over and over Im not going to be responsible for a purchase that i didnt receive.

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