BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: CA
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:
Paypal-Synchrony refuses to remove a {$2600.00} charge from my account. I purchased an item through XXXX that was damaged. The seller, XXXX, originally offered to issue a return tag and pay return shipping as well as provide a full refund. They then reneged and would not pay for shipping. 
I filed a dispute with PayPal and won. XXXX XXXX still would not pay for return shipping. I filed a dispute with Synchrony who found in my favor and removed the charge. 

Synchrony then recharged my account on XXXX. I called them and they said they would have it corrected in 10 days and have someone contact me. No one has contacted me about this. Every time I call regarding this charge I get a different set of information. They even claimed they had no idea about the PayPal dispute which PayPal completely contradicts. They also state they have new data that states the item is non-returnable. This can not be true as the listing was deleted from XXXX months ago. 
I'm including the XXXX email transcripts with this organization.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 some of the information was 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 investigated and corrected for erroneous reporting in my file are listed on my credit 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

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 2020-12-18
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm currently in the process on refinancing my house and the company that holds my mortgage right now has yet to respond about payoff amount. My new lender as reached out to them two times for the information and I've reached out to them as well. Still nothing back and I should be closing on the XXXX. XXXX has reached out to freedom Mortgage on the XX/XX/2020 and XXXX/XXXX/2020. And I've reached out to them in XX/XX/2020 as well and we still haven't gotten anytime if response from freedom Mortgage

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 2019-05-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I entered into Payment Cure Plan with XXXX  XXXX XXXX online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, XXXX and TransUnion have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, XXXX nor Transunion has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, XXXX and TransUnion never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, XXXX and TransUnion are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, XXXX and TransUnion are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, XXXX and TransUnion reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.

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: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2018-04-19
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00}

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 2022-07-08
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have right of survivorship with my x-husband, XXXX XXXX, XXXX on a property located at XXXX XXXX XXXX, XXXX, VA XXXX for which he has a mortgage loan # XXXX through XXXXMovement Mortgage that is only in his name. 

On XX/XX/XXXX of this year, XXXX passed away and then the estate attorney discontinued payment of the mortgage, indicating my right of survivorship made me responsible ; however, I had NO information at that time about the loan. 

I eventually was able to get family members to provide some info and I began contacting XXXX and Movement via phone and email. 

The customer service people had me send proof of XXXX ' passing so that I could begin the process to become Successor in Interst, so that I could bring the late payments to current and continue paying the loan. 

After I sent the obituary and answered all questions- Movement mortgage still will not communicate with me or allow me to pay the loan up. 

I fear the loan will go into foreclosure while I'm trying to get them to allow me to make payments. Is there anything that can be done? 

I use XXXX and I am not able to figure out how to " save '' my emails so I can attach them for your reference, but the email is XXXX and the last person I spoke to yesterday was XXXX @ XXXX XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX2020 I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.

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 2019-02-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
This is the last info on the J P Morgan- credit card that Fema and Home Land Security gave me. The auto recording that J P Morgan had on said that I owed them XXXX I only had XXXX so I gave the JP Morgan Bank- back in XX/XX/2018- thinking that these apartments that I stayed in had not been paid, I did talk to the apartments in XXXX Fl- they use XXXX and they informed me that they were paid in full, then the auto machine came up with a XXXX credit for me, I said I do not need a credit, and the staff member said that they would send me the XXXX. It never came JP Morgan sent XXXX instead and my bank took back the XXXX that was in the credit file for me for nothing, so that is {$4700.00} and I am closing this case now, and JP Morgan has XXXX in my credit file, and I hope they send me that also. 

Thank you CFPB for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I ask Synb/Gap to please remove this account and the bureau 's since it been on for long enough and was hurting me when applying for other credit card/loan.They said and also the bureau 's said it stays on for 7 years. So, i was ok with that since the 7 years was approaching. I opened this account in XXXX XXXX with a credit limit of {$200.00} i was also charged alot of interest.. I was not able to pay XX/XX/XXXX. I was working with a Debt management company to help we handle all the bills in XXXX, but i was having a hard time with them because i had to pay the debt company more money, so i stopped. My account with closed on XXXX XXXX. Eventually i ended up paying Gap the balance.I called XXXX to see when my account date was up and they said XX/XX/XXXX and said why, they said because Synb/Gap reporting to them the same information that they've had for years ago, so that she account stays now now for 10 years instead of 7 years. I have very upset and dont understand why. This is an account that i was delinquent and has been closed since XXXX. This account was suppose for fall off 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 explanation
Consumer complaint received 2020-12-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested a roll over of my retirement acc from TIAA to XXXX XXXX  After many calls with incompetent TIAA agents and missing forms they finally processed the transfer but that is unbelievable they send {$270.00} XXXX by regular snail mail usps as a XXXX card- no certified mail or tracking Very unsafe, unsecure and prone to be lost or stolen beside lost interest for more than 10 days No checks were received after 4 days? 
Agent say XXXX certified over night may be available upon request but I was never informed I will make sure that will be addressed-completely carless from your customers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: NY
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:
The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check Experian and saw that XXXX had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted Experian and XXXX to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Vanilla Gift Card contains {$500.00} purchased on XXXX. It was never used and I kept the card till I'm ready to use it. When I tried to purchase from XXXX on XXXX, it declined. Upon checking the card balance online, a fraudulent transaction for {$500.00} was made late XXXX. I called XXXX and reported it right away to Vanilla Card. They opened up a dispute on XX/XX/XXXX and said to wait for the dispute form in my email within 24 hours. On XX/XX/XXXX, I called again and told them I haven't received the email. The agent said she will reopen the case and send a notation to back office to send another email. Today XX/XX/XXXX, I called again and no activity was done on my complaint. I did not receive any emails. The agent reopened the case again and emailed their back office. I asked to be transferred to supervisor who said the same thing. I asked for the dispute form to be sent immediately because it's already more than a month since the fraudulent transaction was made and nothing has been done about it. The Vanilla company is not helpful and has repeatedly delayed and did nothing do anything about my complaint and has not sent the dispute form which meant that they can never start the investigation and return my money until they receive that form from me. Multiple attempts and long conversations with customer service agents prove that their process in resolving fraudulent charges is subpar and puts every gift card holders at risk for never receiving their money back. Vanilla gift cards does not protect consumers against these fraud charges even when the card has been registered online. Their process for fraudulent charge investigation is time-consuming, disorganized, no dedicated trained staff to handle situations like this, and does not send dispute form immediately to try to delay the investigation making it highly unfavorable to victims. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Some account have been pay off and credit score never has gone up

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: IL
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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