BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/2022 I purchased a spa cover from XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Florida. Over a span of several months I was finally able to get in touch with them in XXXX when the product had never arrived. They claimed the product even though advertised as fast shipment would now deliver in XXXX of the following year due to a shortage in foam. We demanded a refund and they claimed they refunded us on XX/XX/XXXX. We never received a refund for this item. We then reached out to synchrony through paypal in which we used to make the purchase and started a dispute. Synchrony has acted fraudulent on this matter. Over a period of several months Synchrony has claimed the shipper provided them documentation that the spa cover was delivered and that we signed. This never happened. I have tried multiple attempts and calls to Scyrony to keep fighting this matter and synchrony sent out a letter of what they claimed was proof that I requested of the delivery. The XXXX they sent me was completely blank. I have reached out on more attempts to get this documentation and they keep closing. Here is the catch... This company is being sued by Florida Attorney General for being fraudulent and stealing over XXXX from people and claiming they delivered their spa covers. Florida Attorney General started this lawsuit on XXXX of XXXX YET Synchrony STILL will not work with us on getting our money back and STILL has only sent us a blank XXXX no matter how many times I call or reach out on my dispute. They have now cut off communication with us on our dispute. We have been fighting and fighting to have XXXX $ refunded to our account for this fraudulent service and synchrony is not willing to help us. At this time " XXXX XXXX XXXX XXXX has been shut down due to their fraudulent activity. Please Please help us. We have an expensive spa without a cover and nothing can be done until we get our money back. XXXX XXXX , is the defendant being sued by XXXX XXXX of the Florida Attorney Generals office. Many Many other people have gone through the same issue as us and have made multiple attempts to reach out to which got this process started from Florida Attorney General yet none of us still don't have our refund and the company is shut down. On attachment below please ignore my message stating credit card number had changed. The account is all linked together and that doesn't matter. I wasn't thinking when sending that to customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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 a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX and Experian Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : 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 XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: ID Analytics, 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:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
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'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 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 2023-02-06
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is claiming I owe {$1300.00} for an account that I have no knowledge of. I have never owned/opened an account with XXXX XXXX XXXX I wrote Sequium Asset Solutions on XX/XX/2023 and disputed the debt and requested the name and address of the original creditor. Sequium Asset Solutions has not responded to date. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, the true owner of the account ( the individual who signed the contract ) called XXXX XXXX at XXXX to receive information on the past due balance. The information provided by XXXX XXXX was that the account balance was XXXX dollars. This information is different than what was provided by Sequium Asset Solutions , LLC. 

On XX/XX/2023 ( XXXX XXXX  ), XX/XX/2023 ( XXXX XXXX  ) the true owner of the account ( the individual who signed the contract ) emailed XXXX to receive information about the debt and to date, has not received a response from XXXX, XXXX. 

I called XXXX XXXX at XXXX on XX/XX/2023 to discuss with the company directly as to why my name is listed on an account I have no knowledge of and never signed for. After being on the phone with XXXX XXXX for 31 minutes, I was transferred to three different departments and eventually was transferred to a voice mail which said that there was no one available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I added a new bank account to make payments from, and submitted a full balance payment. The payment was returned and I was charged a {$30.00} fee. I called my financial institution XXXX XXXX XXXX to see why the payment was returned and they advised me that no payment has been put through their system. Immediately I called Rooms to Go Synchrony bank credit card to see why the payment had been returned and the {$30.00} fee was charged. The customer service told me that payment was returned because " account closed ''. I told her my account was not closed cause I had just spoken with my bank XXXX XXXX XXXX and everything was in order on their end. I asked the customer service if I could verify the account number and routing number to see if maybe that was the issue. She said just to go online and do the payment again and that returned payment fees could not be waived. I asked to speak with a supervisor and she said the supervisor was going to tell me the same thing and she put the phone on hold until I decided to hang up after 55 minutes waiting and nobody answering.

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 2018-04-30
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX  bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please 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 explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed and I called immediately to ask why as I had a payment plan in place. They said it did not matter and the repo was valid. I paid the past due amount via XXXX  XXXX and rented a trailer to pick the vehicle up only to be told by the storage facility that the vehicle had been sent to auction because ally failed to send a redemption notice. Now Im being told by the auction that they do not have the release and they close in 30 min ( XXXX ). So on the phone again with ally who says they did not show it was moved in their system. Now Ive paid for my car but can not get it until Monday even though it was never supposed to be picked up in the first place.

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 2020-02-15
Company: M&T BANK CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am the executor/personal representative of my aunts estate and she passed away, on XX/XX/XXXX, with an outstanding balance of roughly XXXX points ( equivalent of {$880.00} ) on her M & T Bank credit card. I reached out to M & T Bank customer service to get information on the process to close the checking account and to get a check issued for the points balance on the card. I was instructed to deal directly with a branch representative ( no mention that there was an estate services division available to help with such issues ). I sent an affidavit on XX/XX/XXXX directly to the branch with attention to a specific representative, including instructions/inquiries on how to monetize the points on the account. I then followed up with at least 6 phone calls over the next few months dealing with the same Branch representative, but never got a resolution. When I finally gave up with dealing with the representative, I reached out to the credit card customer service. I had to specifically ask if there was an estate services area in order to get them to take any action. Once I inquired with the estate service directly on XX/XX/XXXX, they rejected my request to receive a check, given I was outside the 45 day time frame that was required to make such requests. On a separate note, it took XXXX  XXXX XXXX less than 2 weeks to issue a check on credit card points in the estates name after I started the process with that bank.

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 2019-06-14
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I received an e-mail stating that my payment had not been received for my leased XXXX. As I had set up auto-pay in the past for the full amount due I worried that something had changed with my bank account. Upon logging in to their website I found that they claimed I owed money due to underpayments for the past two months. Those underpayments were now considered " overdue '' despite the fact that I had not received any notification that I was underpaying. 

When I called GM Financial their representative stated that I owed the amount I agreed to pay on my lease and made it clear that the website taking the wrong amount was not GM Financial 's problem. I never claimed to not want to pay the correct amount of my lease but rather that the website was taking the wrong amount out. At which point the representative informed me that the shortage was taxes owed on the lease. 

The issue here is that I told them to pull what ever I owed them from my bank account at a set time each month. Yes, I need to meet my contractual obligation to pay them but they also need to fix their site so that when I set up autopayment for the " amount due '' it takes out the correct amount. They also need to clean up their communication so that I get notified in a timely manner that my payment isn't sufficient to cover what I owe. Because in my mind I've already met that obligation by giving them my bank account and telling them to take what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: VA
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:
On or about XXXX of the year 2019, I opened an XXXX XXXX credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXX of 2019, various of my accounts were stolen/hacked including my original XXXX XXXX card , my bank account, and a new XXXX XXXX XXXX account was opened up in my name using the previous original and valid XXXX XXXX account for my credit card. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. 

I sent XXXX XXXX a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

XXXX XXXX responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that it was linked to my bank account. Of course it was linked to my account as the original and once valid XXXX XXXX account was stolen/hacked. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to XXXX XXXX with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.

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 2023-04-23
Company: CITIBANK, N.A.
State: IL
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:
My wife ordered a dress from XXXX XXXX ( XXXX ) in XX/XX/XXXX for {$2800.00}. When the shipment arrived at our home it was not the dress we ordered. We requested a return authorization from XXXX which was granted, and the incorrect dress was returned to them. When received, the XXXX receiving department determined the dress was not the dress which was ordered and sent it back to us again. We contacted XXXX numerous times but they would not accept the dress they shipped in error back for credit because it was not the dress ordered and billed. Thus, we were being forced to accept merchandise which we did not order nor want. 
We filed a dispute with Citibank, the credit card issuer in late XX/XX/XXXX. Citi sent us an undated letter, to a XXXX, FL ( not Illinois where we live ) address which is attached as Reference ( Ref ) A. This letter stated Citi had received a response from XXXX, and gave us until XXXX XXXX to address XXXXs response. Since the undated letter was sent to the wrong address, we never received it and didnt see it until we received it later electronically. Most importantly, however, we never saw, AND TO THIS DATE STLL HAVENT SEEN the NM response. We have made in numerable telephone calls and written communication with Citi attempting to resolve this issue, to no avail. We finally wrote a letter to the Citi XXXX XXXX XX/XX/XXXX. Citis response-attached as XXXX XXXX  simply states they cant help, with no explanation as to why. And Citi still hasnt provided us with the XXXX  response.

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 2020-02-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midwest recovery systems has re-aged a debt that has past the statue of limitations and is failing to report the date of first delinquency ( DOFD ) properly. Instead they have reported it as new debt as of XX/XX/2020. I have already disputed it and they still fail to report it properly since it would show that the DOFD is well over the statue of limitations. And even the debt amount owed is false since the original debtor ( XXXX ) over charged me the loan and I refused to pay anything above the original agreement. But this was well over 6 years ago and has now showed up as new debt by Midwest recovery systems through the tactic of re-aging. Which sadly is done a lot by this firm from what I have read on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is a debt from XXXX XXXX... I have made payments on it. They wanted more than I had available. Said they'd take nothing less. Took me to court and sued me. Garnished my taxes. Debt stayed the same. Attempted to garnish my bank account. Bank rejected them stating money from social security. Took my taxes again. Still total debt doesn't change. How am I ever supposed to get it paid down if they refuse nothing less than full payment but won't deduct the money they get from my taxes to go against the total either.

Company response to consumer: Closed with explanation