BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: SYNCHRONY FINANCIAL
State: AL
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:
On XX/XX/XXXX I entered into a sales contract with LazBoy Furniture Galleries located at XXXX XXXX XXXX in XXXX, AL.As required, I paid a {$4500.00} deposit. 

My furniture was delivered on XX/XX/XXXX. I became aware of a discrepancy in billing when I received my first statement from Synchrony Bank on XX/XX/XXXX. Later in the day, I contacted Synchrony and filed a dispute. 

On XX/XX/XXXX, I contacted both the local store and the credit card company via fax and provided them with copies of the attached documents. 

Later in the day, the store manger contacted me and stated that he disagreed with my complaint. 
As of today, neither the local store nor Synchrony has resolved my 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 monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: PA
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 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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 explanation
Consumer complaint received 2021-03-08
Company: U.S. BANCORP
State: SD
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:
My husband XXXX and I are in the process of getting a mortgage for a home. The credit report came back with one derogatory account under me. ELAN Financial Services was the creditor for the XXXX XXXX  credit card account. I had a checking, savings, and credit card through XXXX XXXX. I closed them out via phone call in XX/XX/XXXX. However, according to Elan Fin Svc, the credit card was still opened and charged on XXXX XXXX by XXXX plus late fees and interest since the checking account was closed. The remaining balance was paid off after realizing the error on XXXX XX/XX/XXXX and the credit card account was closed as well. This error was due to XXXX XXXX  failing to close out the credit card account when asked to close all accounts in my name, and neglected to inform me that it was still open. My credit score then tanked and we were out close to {$200.00} on something originally only {$25.00}.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I mailed XXXX, transunion XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 items 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 items : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX ; XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019

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 2022-10-18
Company: Unifin Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX  SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Kna Global Enterprises Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
ON XX/XX/2020. I SIGNED UP FOR CREDIT REPAIR SERVICES WITH KNA CREDIT SERVICES ALSO KNOWN AS KNA GLOBAL ENTERPRISES. I PAID THE COMPANY A {$1000.00} START UP FEE. THEN SADLY COVID 19 WAS ESTABLISHED. I REACHED OUT SEVERAL TIMES DURING THE PANDEMIC, MOST OF THE TIME THERE WAS NO ANSWER OR NO ONE IN THE OFFICE. THEN I WAS TOLD THEY WERE NO LONGER WORKING IN THE OFFICE THAT THEY WERE WORKING FROM HOME. AFTER THE PAYMENT WAS MADE I DIDNT HEAR FROM THE COMPANY SO I REACHED OUT AGAIN AFTER NOT HEARING ANYTHING FOR 9 MONTHS. THEN I WAS TOLD TO CHECK MY EMAIL AND THAT ALL UPDATES WOULD NOW BE THROUGH EMAIL. ALSO THAT I HAD TO SIGN UP FOR UPDATES THROUGH THE CLIENT PORTAL. BASICALLY ITS BEEN LIE AFTER LIE. MY CREDIT WAS NEVER REPAIRED AND I STILL HAVE NOT GOTTEN A REFUND AFTER 2 YEARS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: PA
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:
I received a letter from Chase stating that I applied for a Chase Freedom Visa Platinum credit card and was denied. I never applied for the card. They reported that they checked my credit score, as well. This was done without my knowledge or consent. I never will and never had a Chase account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I mailed XXXX, XXXX andd equifax letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CarMax, Inc.
State: NC
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:
This complaint pertains to Carmax and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, Carmax, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to Carmax and the CRAs ( XXXX, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to Carmax and the CRAs for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.

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 2021-01-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached

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 2020-08-09
Company: INTERCONTINENTAL CAPITAL GROUP
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently went through a VIRRL loan on our current mortgage with the Intercontinental Capital Group ( ICG ) out of XXXX NC. Our loan officer was XXXX XXXX and was pleasant throughout the process, but was making promises he did not keep. Aside from being mislead on what to receive back from our current escrow account at closing ( XXXX stated approximately {$3300.00} would be returned to us, we received only {$1400.00} ), and inflated title fees that were more than agreed upon ( we agreed on {$900.00} total, but at closing, the fees were over {$1100.00} ), XXXX assured us that he would have XXXX XXXX XXXX ( XXXX  ) service our loan as the lender after we close. My wife and I had expressed our concern about this issue out of the gate, stating we wanted to go with a VIRRL group that could put our mortgage in the hands of XXXX XXXX or XXXX. XXXX informed us that XXXX XXXX would require us to lock in at a higher percentage rate, but we could use XXXX with the current rate being offered. We had a phone call with XXXX, and he seemed to forget this detail, said our loan was being transferred to XXXX XXXX, and that he would see what he could do about getting it over to The XXXX XXXX. But at this time, he stated he doesn't have much say in this area, after he previously promised us that our mortgage would be serviced by XXXX. We copied his VP, XXXX XXXX on follow up emails to XXXX, but have received no response since. We started this process in XXXX of 2020, and closed on the loan in XXXX. After learning that our mortgage was acquired by XXXX XXXX, our initial research of the company shows that it has very poor reviews. So now we are left in a position that we tried to avoid from the start. We were promised The XXXX XXXX, and we were placed with a poorly rated mortgage company that we never heard of until we found out they acquired our loan. We are very disappointed with being mislead on several issues, the most important being the mortgage company that would acquire our loan. Had we known this, we would never have proceeded ahead with ICG for our VIRRL needs. I believe ICG should be held accountable for making promises that they never intended on keeping. Now that their business is concluded on their end, they have shown no desire to reach out to us or email us back to address our concerns. I am a proud XXXX XXXX veteran that is ashamed of being mislead and taken advantage of by a company that supposedly has authority to manage VA and VIRRL loans. Their best interest is in their bottom line, and when the closing is final, it is quite apparent. I would urge all of my fellow veterans to stay clear of ICG. If your company is going to support lying and misleading clients to close a deal, in my opinion you should have no right to be a VA loan lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was informed by email that Chime was closing my account on XX/XX/. They closed it that day and said I would be receiving my funds by paper check within 30 days. I contacted them that same day and asked if there was any way I could retrieve the funds before closure. I was told no by the first rep who seemed to be reading from a script and didn't care. I was told by the second that he would send an escalation and someone would contact me within 24 hours. No one contacted me and I have received neither check nor any communication since. This has really messed up my finances since I have all my money in this bank and must now wait for them to decide to send MY money to me when they feel like it. Today is XXXX and I still have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I spoke with Pennsylvania Higher Education Assistance Agency ( MyFedLoan ) on XX/XX/XXXX regarding accidental payment of my deceased son 's PLUS loan balances after his death. I asked if those mistaken payments could be applied to other outstanding loans through MyFedLoan. I was told they could not. I asked if I could receive a refund. I was told I could not. 

My son died on XX/XX/XXXX. Total amount of payments made since that date, which paid off the loans in full, was {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account is still being reported as Past due with collections and charged off-closed with all three credit bureaus, when this account is not in collections or charged off. Ive asked the company to supply numbers of time the amount that they are trying to collect if my account is in fact in collections and Im being told that you have received my monthly payments. This company is illegally tagging my account has collections when Ive not received on collections call because the account has had one time auto draft payments since the beginning of the year.

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 2021-03-09
Company: CORELOGIC INC
State: PA
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:
On XX/XX/2021, XXXX XXXX XXXX  VIA CREDCODS  add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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