BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: MI
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 filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX  card.I also stated to XXXX, all i see is is XXXX XXXX XXXX adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all  complaint responses from XXXX, XXXX  , equifax , XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX  buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom it may concern : Im a XXXX XXXX Veteran who decided to purchase my furniture at Ashley corporate store in XXXX FL, for the Veterans discount. When I was in the store, the associate was nice and we ordered {$10000.00} worth of furniture. However, after our purchase, everything went down hill from there. Ive ordered furniture from XXXX XXXX in the past and experienced better customer service ; yet, I didnt pay premium price ( 75 % less ) for my furniture. 
1. ) I purchased the XXXX bed that came to me with a bang/scratch on the foot rail. Brand new furniture and the store nor customer service provided me with either a discount, or a brand-new replacement/foot rail. Instead, I have to wait for someone to come out and fix it. I understand if I was utilizing the furniture for some time, and I utilized my insurance ; however brand new out of the box??? That is your solution. 

2. ) The store ordered the wrong mattress for me ( XXXX ) and I had to decline it. When I called the store they said technically I should have verified that on my sales slip. Are you kidding me? I spent over 2 hours picking out my furniture and then signed everything. How can I tell which mattress is on the sales receipt when it only shows the item number without a name. That is the sales associate responsibility who I worked with and spent over {$10000.00}. They ended up sending me my correct mattress/ replacement ( XXXX ), but the delivery driver brought it in a box. I paid for premium service and I received a mattress in a box?! I want either a discount/refund for premium service or a new mattress already inflated like I original received. Its still sitting in the box and I called customer service who couldnt really provide me a solution, only opened up a case number. Im a XXXX XXXX and I leave for work this coming Sunday ; I wont return until XXXX. 


3. ) Some of my furniture went on sale the next week for XXXX XXXX  and I called the corporate store three times to speak to the managers to get a price adjustment. Its now almost a week later and no one has returned any of my calls. Are they waiting until the price goes back up so they cant provide me the discount? Is this how your corporate stores are managed? 

Completely awful customer service!! This is how you treat veterans?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2021-07-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo did nothing to resolve complaint XXXX-XXXX  Wells Fargo has had several opportunities to bring my account up to date and they have refused to do so. They simply explain what happened, and then they tell me they transferred my mortgage to another bank. They have yet to offer a resolution, but simply an explanation of what happened. They received documents establishing a partial claims promissory FHA HUD1 note on XXXX XXXX and were supposed to apply the funds from that note to my loan. They didn't apply those funds, and on XX/XX/XXXX they transferred my mortgage to XXXX XXXX. XXXX. As it is now I owe the money for this note at the end of my mortgage, and Wells Fargo has yet to apply those funds to my mortgage which is what they are bound to do by the documents of this note. This has been going on since XXXX and I have made several attempts to get them to post the money from the Partial Claims note to my mortgage and they refuse to do so while telling me they transferred my 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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capital one is attempting to collect on an expired debt via a judgement and threatening to garnish my wages. My rights as a federally protected consumer were violated. On XX/XX/21 I sent Capital One a cease and desist demanding all communication stop immediately unless it was in regards to my remedy. Pursuant to 15 usc 1692 ( c ) ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of com- petent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave consent and no consent is fraud. Also pursuant to 15 usc 1692 ( d ) ( 1 ) A debt collector may not engage in any conduct the natu- ral consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or prop- erty of any person. My reputation has been damaged because of this garnishment and judgement. I am embarrassed. I recently received a letter from XXXX XXXX XXXX XXXX at law threatening to garnish my paycheck over this alleged debt. I was never provided with debt validation or the chance to dispute their allegations. 15 usc 1692 ( b ) ( 2 ) any debt collector which they referred to themselves as can not state that such consumer owes any debt. I also was never given the chance to dispute this alleged debt pursuant to 15 usc 1692 ( g ). Attached you will find all my evidence showing XXXX Capital one and XXXX XXXX XXXX violated my rights as a federally protected consumer. This is also my formal dispute of this alleged debt. Also pursuant to 16 usc 1692 ( e ) ( 3 ) ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney. The top of the letter and envelope says XXXX XXXX XXXX XXXX at XXXX. Then the body of the letter says this is an attempt to collect a debt ( violation ) and we are debt collections ( violation ) false and misleading. Both violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove all negative items listed in my report that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$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 2022-12-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I asked experian to validate and verify my signature or letter of consent to have these inquiries done and none was produced. I would like the inquiries originally name in my original complaint deleted.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have a hard inquiry from XXXX XXXX for XXXX XXXX XXXX on a date of XXXX that I dont recognize because I do not have an account with neither company. I would like to remove this inquiry and stop further unauthorized & unwanted use and/or access to my credit report is this 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 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
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 am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on 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 explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Wednesday, XX/XX/XXXX, I received a call from a Chase representative that someone tried to open a credit card in my name. They denied the application and called me. I checked my XXXX account to verify the accuracy of the claim. It was indeed. Working with XXXX, they removed the hard inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: CITIBANK, N.A.
State: WA
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/2020, I purchased 3 items from XXXX totaling {$2700.00}. On XX/XX/XXXX, 8 days after the initial purchase, I was notified that 2 of the 3 items were not in stock and that I could cancel my order. I then canceled the order with XXXX, but they stated that 1 of the items already shipped and that since I was outside the 24 hours cancellation period, I would have to pay a 30 % restocking fee. I notified XXXX that I did not agree with that since I was not notified until 8 days after that my full order could not be fulfilled. XXXX issued a credit for 2 of the 3 items on XX/XX/2020. This left a balance of {$1100.00} for the XXXX item that had been shipped. XXXX refused to issue the credit for {$1100.00}, so I disputed the charge with CitiBank Double Cash Card. 

In XX/XX/2020, I started the dispute process with Citi Bank. They requested information from myself which I returned to Citi on XX/XX/2020 and again on XX/XX/2020 after no hearing back. I then received a message from Citi that they sided with the merchant, even though I do not have the item in my possession. The item is still in the companies warehouse. I then reopened the case in XX/XX/2020. I received a letter from Citi in XX/XX/2020 stating that the dispute timeframe was over and that they could no longer help me. During this time, they are requiring me to pay interest and received no credit for the amount in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 began notifying the consumer reporting agencies and secondary reporting agencies that I am an identity theft victim on XX/XX/22. Transunion and XXXX reviewed my identity theft report and removed the fraudulent items from my credit report. XXXX, XXXX, and the other reporting agencies have failed to do so. According to 15 USC 1681 c ( 2 ), a consumer reporting agency must remove and block any information from the file of a consumer that the consumer states is the result of alleged identity theft within 4 days of being notified. It has been well over 4 days. Also 15 USC 604 a 2 says that no account can be furnished on my credit file without my written permission. I have not given anyone written permission. Also, XXXX XXXX XXXX XXXX and Regions appear on my credit as charged off. To my understanding, this is illegal. The IRS considers this to be income. They are committing tax fraud. 15 USC 1681 e b is being ignored. They are reporting information that is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has called at all times of the morning and night i have requested them to stop calling they then resorted to calling my work phone which was absolutely unacceptable i also told them not to call back and they have continued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: ME
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:
On XXXX XXXX 2018 I purchased a ring from a company called XXXX XXXX online. I was approved for the purchase by a Company called XXXX The product did not arrive on time. It was promised to arrive by XXXX 2018. It did not arrive. I called XXXX XXXX on XXXX 2018 and XXXX in Customer service said they were busy and they could not make the setting and stone till XX/XX/XXXX with a ship date late on the XXXX and arrival on the XXXX. I said cancel the order because i needed the ring now. XXXX said the order would be cancelled. Three days LATER a XXXX driver coerced my XXXX XXXX XXXX into SIGNING for a package that WAS the order I Cancelled. XXXX realizing their mistake picked up the package and shipped it back to XXXX XXXX. A XXXX XXXX XXXX signature for my signature only is not binding and not legal. XXXX XXXX  lied to XXXX and said they shipped the product on XXXX 2018. Affirm investigated the situation and sided with XXXX XXXX based on the XX/XX/2018 ship date I have sent email after email to Affirm and they continue to Bill me now its a negative on my credit Report.The Order was cancelled. XXXX wad lied too i have copies of the XXXX box showing the ship date XX/XX/2018. I have hard copies of the promise of delivery by the XXXX of XX/XX/2018. I have copies of the XXXX ship date from XXXX. I HAVE copies that XXXX has been sent of everything confirming the fact that XXXX XXXX Lied. Now my credit is being hurt because XXXX using out of country telecenters will not reinvestigate.

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 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX card.I also stated to XXXX, all i see is is XXXX XXXX XXXX  adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX  XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, XXXX , XXXX  XXXX transunion does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back XXXX cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

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 2023-02-20
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:
Failed to provide proof that account is mine by providing me original contact signed and showing past due amounts on closed accounts.

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