BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit 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/2023 I used a Lowes Credit Card to purchase a new refrigerator. Lowes delivered the refrigerator, and it was defective. After confirming the defective status with a technician, I went back to Lowes in XX/XX/2023. 

I purchased a second new refrigerator, again on the Lowes Credit Card. This was a different refrigerator, it was a separate charge on the Lowes Credit Card. 

When the second refrigerator was delivered, Lowes took the defective unit with them. I asked if I needed to sign any paperwork, and I was told no. I was told the charge for the defective unit would be refunded within a few days. 

As of this writing, XX/XX/2023, I have not been refunded for the defective refrigerator that Lowes took with them. I have both called and gone to Lowes several times, and am always told the refund is " processing ''. 

Since Lowes is unable to help, today I have filed a dispute with Synchrony Bank, attached. I am asking for CFPBs assistance resolving this 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 2023-08-26
Company: EQUIFAX, INC.
State: TX
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Registered for HAF back in XXXX, applied in XXXX, approved for utilities, XXXX, internet and not for mortgage relief. Im in XXXX  XXXX due to no options from private lender for my arrears fro Pandemic being unemployed due to closure of my business. I need to appeal HAF there decision I am low income and my XXXX  XXXX payments are to high because of arrears being paid back. Please help me find who I should be appealing this to? The XXXX counsel did a three way call with HAF and nobody can tell us why I was denied or how to appeal this decision. Since applying my income has gone down more with my partner leaving. I did send all bankruptcy paperwork to my caseworker as requested. I would like to know why and how to appeal this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: WI
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Accountable Finance Inc
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I FILED A POLICE REPORT AND ALSO LET THE CREDIT COMPANIES KNOW WHEN I WAS IN CUSTODY SOMEONE WAS USING MY NAME TO GET THINGS AND I JUST FINDING OUT ABOUT THEM AND TRYING TO CLEAR IT UP I DID NOT MAKE THIS LOAN IT IS FRAUD AND THIS COMPANY IS NOT TRYING TO HELP ME FIX THE ISSUSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as XXXX  and Regional Acceptance informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2023-03-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account with Lowes Credit Card in XX/XX/2021. Based on credit review I was approved for a credit line of XXXX XXXX I have kept the account in good standing, never missed any payment or changed any unnecessary charges on the account. I have recently received a letter as notification that they were closing my account. Under CFPB protection laws I do not believe this company can commit this act and affect my livelihood this way. My credit will be affected greatly.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  Accounts opened in the amounts of : {$690.00} XXXX XXXX Accounts opened in the amounts of : {$880.00}. 
This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax & XXXX  failed to update my account for XXXX account. It was paid in Full and Satisficed. The payments was {$590.00}. Please have them update the payment " in full ''. 

Equifax also gave me XXXX credit score. That is all wrong. I have good payment history and even shows " Exceptional Payment History ''. Please gave them upgrade to a " Higher Score ''. 

My FICO Credit Score is XXXX. How come Equifax is the ( XXXX ) which is low. 

It is because that I am XXXX or XXXX? Equifax is a XXXX Credit Brazeau. Equifax favors XXXX  Race with good, favorable Credit Score. 
This Company must not practice in the " Great State of Maryland ''. The top head at Equifax should be Fired or get training to enlightened about XXXX XXXX XXXX issues. 

I will also report Equifax to the State of Maryland, office of The Attorney General Consumer Protection Division. Equifax should be punished like a spoiled, rude, XXXX Boys. XXXX them good. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I incurred a series of fraudulent charges in XX/XX/2018. Immediately contacted the merchant as well as the credit card bank, Citibank, on the same day that it happened. Citibank immediately made a series of credits ( disputes ) on behalf of me. However, XXXX, the merchant, also issued credits at the same time. As a result of XXXX XXXX credits, Citibank re-charged the credits. The problem occurs when Citibank 's math is not correct. As a result, I contact Citi 's Security Analysis team and demanded and audit. The audit came back saying that everything they did was correct. In addition they sent me a worksheet stating listing all the fraudulent charges, credits by Citi, credits by XXXX XXXX and reversal ( charge ) of credits by Citi. However, the numbers that Citi do not match what I have on my statement. Specifically, there were 2 credits ( {$76.00} and {$78.00} ) that Citi claims was on my statement were actually non-existent on my statement. I have looked through the statement countless numbers of times and can not find these credits. In addition, there were 1 credit reversal of {$76.00} that Citi claims they charged, but instead in reality, my statement shows {$98.00}. So bottomline is I am asking for a difference of {$170.00} credited back on my account. I have contacted Citi numerous times. Some ended up with the agent not doing anything when they said they will. Some would ask me to wait and they will sort it out. Afterall, I can not reach the person that did my investigation, and talk to me where I can find the specifics that Citi has done. None of the other on the Security team is able to assist me since none of them have access. All they told me to do is wait. I can not believe an international bank like Citibank does things like these and get simple math wrong like these. In fact, they have fake and made up numbers they claim are on my statement which in fact is non-existent. I'm out of options now other than to file a complaint hoping something can be done.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: MD
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 received a report that changes were made to my report with actions taken by XXXX modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by Equifax stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from Equifax stating dispute was completed and view now ; when I try viewing Equifax sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

XXXX made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by Equifax. Every change is reported to 3rd party credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions 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 am filling this complaint because Experian has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want Experian to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Credit Karma, LLC
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:
XXXX  My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to credit karma XXXX  I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with XXXX with the XXXX  at this time is this a comeback on me for disputing them .I feel they play games with consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a business checking account with Truist. The account was opened in XX/XX/2022 at the XXXX, Florida location the person who opened the account opened a checking account and a credit card account. Well the credit card application was an issue cause the person who did the application for the account and the credit card didnt enter my social security properly. So the application kept being denied I contacted the branch and the corporate office several times Recently I was getting charges for XXXX  verify which didnt belong to me or my business when I contacted Truist in the middle of XXXX they would not address the issues and the kept getting the run around so I did what I was able to on my end limitations on my business account setting waiting for them to contact me. They didnt and it happened again so I have been battling with trying to get someone on the phone as there was another fraud charge that happened 2 weeks later even though they didnt fix the first one and they still didnt refund my account or credit My Account that first charge they also didnt request and he does additional information. I got no notification know that there is nothing. That was my first complaint the second I complained the same thing happened but this time is a little bit different. This time I havent had access to my bank account my business bank account for seven days I was able to view it online, but in terms of accessing the money they shot my business down. This was the second time that they did this to me. 
New Phone call no notice nothing My bank has been shut down since XX/XX/XXXX no one call me back. No ones here to help me and I am this is my second complaint to you this site as well no one is responding I have XXXX in a business account with Truist and they are denying it is an access to view my account online they close the account down because of the fraud finally, and they reverse the charges I tried to walk into the local branch and I have to make an appointment. I dont even know where I would do that. 
And when I went into my local branch, they were rude, disrespectful and self-righteous. Meanwhile, my business account I cant access and everybody seems to be OK with that. I cant utilize my money when I want to and my bills are being denied because they were automatic bill paste that are getting denied

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