BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit 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:
I ordered products from XXXX which got stolen so I initiated a dispute with Synchrony Bank ( who operate the PayPal credit card I used ) that the items I bought were not fulfilled. They closed the dispute saying XXXX would refund. Thats fine so I reached out to XXXX but they said the dispute is still seen as open on their end so they can not give the refund until it is closed. I asked for a dispute closure statement or letter from Synchrony in XXXX. It is now late XXXX. They sent the letter twice ( supposedly ) and I have not received it. I need this letter to get a refund. Now I have had to pay the full amount on my credit card bill because I can not get the physical letter. Also they refuse to send me an electronic copy. 

I accidentally filed a dispute to the wrong company earlier ( ID : 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 monetary relief
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Regarding previous complaint XXXX in regards to your response : An apology is accepted however I was affected by it, by ally banks employees mistakes, I was affected economically directly. 
The informantion about the type of income should have been Disclosed at the begining of the application process, it was ally mistake that didnt get done. 
1 ) What laws did ally bank broke by not disclosing that Info? 
2 ) when was this change on type of income made? And can you provide documentation about your updated policy.? 
Id like to check that I am not being discriminated so that would avoid any time of believe that I was. 
3 ) I believe and most people would that there should be a settlement from ally bank to me regarding this issue, I was affected economically and I believe it is fair. 
I rather have an agreement than having to escalate this issue to an upper authority cause that would save us both time and info that would be public due to having the issue escalated. 
I recently received a phone call from your bank indicating somebody will contact me in regards to this issue. I was contacted because I fill out a survey indicating how I felt about the bank. Thats the reason I was contacted.

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 2022-10-12
Company: EQUIFAX, INC.
State: UT
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:
In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the XXXX of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX  of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
TO WHOM IT MAY CONCERN, I took out a student loan for my son to continue his education after high school. After the first semester, my son returned home for good, and I notified the school of such. The loan has been paid off and is only being reported on Experian. I am experiencing financial hardship where I am struggling to pay my bills, am about to be homeless, and am unable to attain any student loans to continue my education in order to get a better-paying job. 

In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( # XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. A consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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:
Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX Bal {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX Bal {$6600.00} XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: MN
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 have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I places an order ( # XXXX ) with XXXX XXXX  on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ). 

Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX  concluded that they will not refund. 

XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 explanation
Consumer complaint received 2023-09-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
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/XXXX, XXXX XXXX XXXX issued check # XXXX to XXXX XXXX for " XXXX '' written as " XXXX & XXXX/XXXX '' for an employee bonus, with the check being written from my business checking account. 

On XX/XX/XXXX, when my accountant was closing out my books in preparation for the XXXX  Tax season, and noticed funds did not add up. After reviewing all checks, it was found that check # XXXX issues to XXXX XXXX had been altered by {$900.00}. I reached out to my bank, XXXX XXXX  at XXXX Settlers XXXX XXXX, XXXX, VA XXXX, and asked for a copy of the deposit for the check and found that the amount on check # XXXX was changed to " XXXX '' and the written amount was changed to " XXXX XXXX & XXXX/XXXX ''. The check was deposited through " edeposits '' with Navy Federal Credit Union at XXXX, XXXX XXXX, XXXX VA XXXX  on XX/XX/XXXXXXXX  at XXXX. The deposit slip has the employees written name on the back of the check and his signature below it. 

My bank told me to " Here you go! I would suggest you file a police report or check with Navy Fed '', so I filed a police report sometime around XXXX of XXXX  when I had time to catch up on all administrative tasks I was behind on. I am still waiting to hear back from the police report. 

On XX/XX/XXXX, I contacted Navy Federal Credit Union 's customer service, explained the situation, and was told my bank needed to issue a " hold harmless '' letter to Navy Federal for them to be willing to investigate it. It appears like this is something my bank may not be willing to do, and without it, Navy Federal said they can not look into it. 

I have copies of the check deposited, the carbon copy, the police report, the emails, and proof he altered it and signed/deposited it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
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: Account information incorrect

Complaint:
Please see attached. The loan from XXXX XXXX XXXX  is not a mortgage or heloc and is inaccurate. Please remove this from my report. The attached letter was sent in today 's mail via certified mail.

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 2022-05-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Experian, YOUR COMPANY CLEARLY LOVES LITIGATION. YOU CONSTANLY VIOLATE THE LAWS. YOU CONTINUE TO VIOLATE CONSUMERS AND THEIR RIGHTS JUST AS OFTEN. IT IS NOT MY JOB TO DO YOUR JOB AND I WILL NOT. YOU ARE SOPHISTICATED THIEVES STEALING MY PERSONAL INFORMATION USING IT AS YOU PLEASE TO RUIN MY REPUTATION. EXPERIAN IF YOU AND YOUR VENDORS WANT TO CONTINUE COMMIT IDENTITY THEFT AT LEAST HAVE THE CORRECT PROPER INFORMATION TO DO SO. PLEASE spare me the ANTICS. Your company ABSOLUTELY does not Appreciate ANY Consumer who disputes their Consumer Reports. Your company loses money when this happens. Do not continue to insult my intelligence. THIS IS MY 3RD AND FINAL TIME REQUESTING YOUR COMPANY REMOVE, DELETE, UPDATE ALL OF MY PERSONAL INFORMATION I WANT LISTED IN YOUR SYSTEM. 

Now let 's move on shall we, you are in violation in more ways than one. I will just stick with your willful non-compliance/negligent noncompliance. I know your company is in the business to make money by gathering, processing, and archiving my Personal Information selling it and harming my life, my family and my reputation. Your company feeds my information into your data system with no regard to. As I stated previously your agency has several variations of names, addresses, phone numbers, employers, emails, ETC. This is my last request to have your company fix this inaccurate personal Information. Your company has an obligation/responsibility after I have expressed safety concerns. I clearly asked your company to REMOVE DELETE ALL names, all addresses, all phone numbers, all employers, all Social Security Numbers, all emails. 

This is the only information I would like reported on my Consumer Reports. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. REMOVE XXXX FROM THE SPOUSE SECTION AS WE HAVE NOT BEEN TOGETHER IN 14 YEARS. 

PLEASE SEND ME UPDATED REPORTS WITH THE CORRECT INFORMATION. YOU'RE VIOLATING MY RIGHTS BY RUINING MY REPUTATION AND MY FAMILY IS BEING HARMED IN YOUR ILLEGAL WORKS. THE LAW ENTITLES ME TO REQUEST INACCURATE INFORMATION BE REMOVED. Please send an UPDATED

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