BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid 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:
In XX/XX/2022 I purchased 2 XXXX XXXX from Amazon, using my Amazon credit card through Synchrony Bank. These devices with tax came to {$240.00} each. Shortly afterward, I decided to return the entire purchase. I contacted Amazon and they agreed to accept the return and sent me 2 prepaid shipping labels, one for each XXXX. I promptly returned both and have shipping confirmations that Amazon received them. However, Amazon only refunded my account for one ( XXXX ). After several attempts to get Amazon to correct this, during which they agreed they would, yet they never issued the remainder of the credit, I initiated a dispute with Synchrony. After investigating, Synchrony resolved the dispute in my favor and credited my account for the second XXXX ( XXXX ). However, several weeks later Synchrony reversed this credit. The letter they sent explaining the reversal stated that they saw the original credit Amazon had issued in the same amount ( which was for the first XXXX ), they thought I had been credited twice so they were reversing it. I subsequently disputed this again, and on XX/XX/XXXX they sent me a letter acknowledging this new dispute. As of today, XX/XX/XXXX, they still have not resolved this dispute. When I contact their customer service representatives they always seek to delay the issue. Today they told me they have 60 more days to investigate the matter. This should be resolved by now, and they still owe me {$240.00}

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 monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
I currently have a medical debt under {$500.00} with XXXX XXXX XXXX. I have disputed this debt with the Transunion, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.

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 2023-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
citi bank i closed this account, they did not close it, and billed me at a XXXX balance once again for the sum of XXXX next year and tacked on interest called them 3 times to cancel, they only cancelled the card on the third call and billed me for the interest of having the card renewed .at no time was I late for any payment only an interest charge of a renal fee i did not want and told them it was cancelled. 
this is hwy robbery to charge a fee for renewal when already the card was cancelled, and then charge an extra fee for interest, there was never a late fee for any purchases or use of the card. 

my credit score has always been closer to XXXX and this is the only item that is completely bogus would never bank with Citi again use them in any way

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2019-07-16
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed disputes about several items on my credit report with XXXX and XXXX and have had absolutely NO ISSUES. I have tried to file the same disputes with Equifax and have had NOTHING BUT ISSUES. I have tried online and I have called and they are not letting me file my dispute because for whatever reason they don't believe I am who I am. Even though I have given them name ( both maiden and married ), date of birth, social security number, address ( both current and previous ) and pretty much my BLOOD TYPE. This is very frustrating! I am trying to work on my credit and get items removed that should not be there. There is no way that I could have incurred the charges between XXXX and XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
These credit bureaus are reporting inaccurate information XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car from XXXX XXXX XXXX for XXXX they didnt tell me I was leasing a used vehicle than they added an additional loan of XXXX dollars on top of my car when I disclosed my information with title code:15 usc 1662 b in I was still charge.. I cant get the title because XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BARCLAYS BANK DELAWARE
State: CA
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 Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from JetBlue airlines. Suspecting fraud, I called Barclay, the company which issues Jetblue cards, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the JetBlue flight booking site. I requested that the account be closed and the unauthorized inquiry be removed, however, Barclay refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Resurgent Capital Services L.P.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im in a debt consolidation with XXXX XXXX XXXX and on XXXX XXXX 2023,XX/XX/XXXX made a settlement offer for {$550.00}. They started receiving payments on XXXX XXXX 2023. It was reported to collections and appeared in derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CCS Financial Services, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have 3 accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit collection services ( XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, USAA withdrew {$2500.00} from my checking account for a teller 's check that I requested. It is roughly two weeks later and they literally have no idea where the check is other than they supposedly mailed it via USPS. They did so without any form of basic tracking, and have said that if the check is lost or stolen that they have to wait 90 days to cancel the check and return the funds to my account. 

I am honestly appalled that a bank that is supposed to be serving military families thinks it is remotely appropriate to handle thousands of dollars of other people 's funds so recklessly. 

They never let me know that the funds would be sent without any form of tracking and that I was assuming the risk that the funds could go missing in the mail without any way to rectify it before 90 days. 

The fact that someone in a position of leadership signed off on these practices shows how clueless they are in terms of the needs of military families. A new enlistee could be requesting a check to purchase a new vehicle, only for the funds to go missing and USAA saying " that's too bad. Contact us in 90 days. '' While I was personally never advised that the funds would be sent without tracking, USAA should not even let anyone consent to this form of funds transfer because they should be looking out for their customers. 

Even if I receive the check in the mail today or sometime in the next few days the entire situation is completely unacceptable. I am submitting this complaint so it does not happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Skrill USA, Inc.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a deposit into my Skrill account for {$8000.00} when I went to log into my account it would not let me log into it to access my funds luckily I had already copied my virtual card information when I went to use it it was invalid now I'm unable to log in to my account please help me in any way you can this happened today Tuesday XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off my vehicle, in full, and submitted a odometer disclosure statement, as required by Honda Financial Services. 

Honda Financial Services mailed me a letter dated XX/XX/XXXX and detailed my address and Vehicle Identification Number ( VIN ). The envelope contained 2 pages. A portion of the XXXX page of the letter stated the following : " ... Please fill in the odometer reading disclosure on the enclosed Odometer Disclosure Statement and mail it to the address shown below, Attention, Title Department or fax it to XXXX to XXXX back in enclosed envelope. '' XXXX search results indicted the number XXXX was for XXXX, the email XXXX was for XXXX XXXX XXXX XXXX XXXX the number XXXX was for contactcustomerservicenow.com, and the closing of the letter stated, " Sincerely, XXXX XXXX Honda Financial Services XXXX XXXX, '' which also came back to customerservicenow.com in XXXX XXXX results. The second page of the letter was entitled the Odometer Disclosure Statement. I did not communicate with " XXXX, '' nor XXXX, XXXX XXXX XXXX XXXX XXXX or contactcustomerservicenow.com and do not know how these companies and their various locations possessed my full address and VIN number. The letter did not appear authentic as it contained conflicting information. 

On XX/XX/XXXX I called Honda Financial Services and spoke to Representative XXXX, who informed me there was a XXXX period and the Title would be sent to my mailing address on or about XX/XX/XXXX. To date, I have not received the XXXXa Title for my payment made in full from XX/XX/XXXX. 

On XX/XX/XXXX, I called Honda Financial Services again and was placed on a long hold. A Representative named XXXX answered my call and claimed Honda Financial Services did not receive my Odometer Disclosure Statement. XXXX informed that the XXXX Title was sent to the XXXX XXXX XXXX XXXX  back in XX/XX/XXXX. I informed her that I have since paid of my vehicle back in XX/XX/XXXX, and needed my Honda Title mailed to my address, as promised by Honda Financial Services. XXXX claimed I needed to resubmit the Odometer Disclosure Statement. I requested for XXXX to send me an official Honda Financial Services email detailing her request for another copy of the Odometer Disclosure Statement that I previously submitted in XX/XX/XXXX. XXXX emailed me an encrypted message, to which I responded with another copy of the Odometer Disclosure Statement as well as the original email to Honda Financial Services Title Department. XXXX did not provide me with my Honda Title delivery date. As a direct result, I was forced to register my vehicle as a leased vehicle at the XXXX XXXX XXXX XXXX. 

The delays in processing my Honda Title caused me to drive a vehicle in violation of state laws. 

To date, I await the vehicle title for the vehicle I paid off over 1 month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company did not pay insurance through escrow account which caused a lapse in coverage and then when reinstating two months later the premium went up. Mortgage company refused to credit me the difference even though if they had paid it on the due date it would be the lesser amount. They took the difference from my escrow account even though i told them not to.

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