BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: SYNCHRONY FINANCIAL
State: VA
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:
Please be advised at the XXXX XXXX XXXX in XXXX, VA there something terribly intrinsically wrong with customer care service. I ordered a XXXX XXXX XXXX XXXX by salesperson on XX/XX/XXXX ; he informed that they had the order. I inquired about delivery period and he said only two -3 days. He again said to me to expect the delivery by XX/XX/XXXX. I took off work and missed an evening meeting waiting on the delivery, but they never showed up. I called the Customer care talked to XXXX and XXXX, and she told me the delivery is scheduled they would call me. Salesperson kept promising delivery dates, I still did not have my mattress after XXXX told that they would deliver on FRIDAY>SATURDAY>MONDAY. Finally, the Mattress was delivered XX/XX/XXXX, Friday, but when I slept on it, it was so uncomfortable, it felt like a firm mattress, versus the plush ; they delivered the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called the store to inform them of my restless night because it was too firm, and they told me that I have to sleep on it for 30 days to obtain the plush feel ; then to send them a picture of the mattress. On XX/XX/XXXX, I sent a picture of the label on the mattress with the model # ; even though the model # did not match my sales receipt, they still did not admit a mistake in mattress. I told them this is fraud! I want you to come pick up the mattress I do not want it ; it is not what I ordered. On XX/XX/XXXX I went to the store and Manager told me they would schedule a tech to come on his time schedule, and check the mattress. No tech yet. Manager said, after tech comes mattress of my choice will be delivered, and if I don't want it, they will remove the mattress. Even though I expressed that I do not want it they persistently overthrowing my decision for them to remove the mattress. All this waiting to remove the mattress is so painful. They just prolonging the time. I will not be forced by XXXX XXXX  to except an uncomfortable mattress ; I do not trust them now! Mattress cost {$840.00} Total {$840.00}

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 explanation
Consumer complaint received 2020-10-11
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:
I have sent several dispute letters and debt validation letters about these alleged Charge off Accounts. The only response is that the debt was verified, however i asked that they validate the debt pursuant 15 USC 1682g. Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. As a consumer and pursuant to 15 USC 1681n ( a ) 1b I request {$1000.00} per negative item on my consumer report that you don't have written permission to have. Pursuant to 1681a ( 2 ) a, ( 2 ) b Transunion is in violation of the following alleged items listed on my consumer report : See Attachment

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 2019-01-04
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I contacted SunTrust Bank ( VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) XXXX XXXX. I asked the bank to cancel my OverDraft Protection because I wasn't notified over the phone when I signed up for it that if your account is XXXX the bank will charge you XXXX for not have money in your account although there was NO bounced check? Then the bank bounced a check for XXXX from XXXX XXXX. Which is a company I have never ever heard of which cost me nearly XXXX. I asked the bank to cancel this company because I've never provided my bank card to XXXX XXXX and have no idea how they used my bank check card to pay for this service. SunTrust filed to case ( s ) XXXX for XXXX in XXXX, XXXX and Case XXXX for XX/XX/XXXX for XXXX. SunTrust said they can not reimburse for all the transactions unless I know when the money was taken? I attempted to change my OverDraft Protection to NO from my online SunTrust account but each time it resets itself back to YES. So I asked the Clerk over the phone to cancel the OVERDRAFT PROTECTION and she said that she was unable to do so. 

Please help me. I really would appreciate any help you can advise as you have in the past provided me with EXCELLENT Service. So I am calling upon you again for your assistance as my requests are falling on deaf ears again.

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 2018-01-28
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2018-04-20
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Mortgage Lenders Investment Trading Corp
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home in XXXX. I have an escrow refund due to me. RP Funding keeps making excuses about the mail system, incorrect mailing information ect. We are going on 4 months and no refund. I call today XX/XX/XXXX, they tell me we need to wait 7 more days to see if someone cashes the check then another 30 days for it to get here. Anytime they want something from me the mail makes it just fine. But for some reason if they owe me it is hard to get it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX XXXX Transunion I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with Transunion. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on Transunion. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on Transunion. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on Transunion. Delete immediately Please expedite

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 2018-04-19
Company: Accelerated Financial Solutions, LLC
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: Account information incorrect

Complaint:
I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX reported to credit agencies that my account was charged off in XX/XX/XXXX and reporting every year, most recently XX/XX/XXXX again.

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 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing false accounts on my XXXX XXXXXXXX via XXXX and they have been " under investigation '' since XX/XX/2015. They have been having a negative effect on my credit account since and when I try to speak to someone at the collection agencies, I keep getting the run around and I'm told that the collection was transferred to a new collection agency. The said agency is not in my credit report at all and have never heard of them. The agencies are not helpful and the department I have to speak to is always closed. I have also been requesting debt verification but they say it's in the mail and I have not gotten anything. The XXXX  file number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Amsher Collection Services, Inc.
State: AL
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:
AmSher Collection Agency continues to report to XXXX that I have an outstanding collection item with them. This was resolved in XXXX. I have disputed this with XXXX   and with AmSher, but they refuse to remove this collection account for {$980.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: AR
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 have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication from Portfolio Recovery associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to push money from another bank to the BBVA bank for a new account. instead, it pulled. Tried to contact via secure message but didn't hear anything back after 3 business days. phone calls are hard because of a XXXX so secure message is the best way to talk and they refuse to answer the message

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

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 2019-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I had a parent loan through XXXX. I wanted to refinance the loan to lower the interest rate. I applied through Citizens Bank and was offered a 5.25 % interest rate. Then after applying and being accepted the interest rate increased to over 6 %. They were definately bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. 
XXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.

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 2018-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We made an error paying our Wells Fargo credit card and overpaid them by thousands of dollars. On XX/XX/XXXX, we contacted Wells and explained the issue before the payment processed. We were told our funds would be returned in a few days. About a week later, we called again. The date of refund was changed to 10-11 days. On XX/XX/XXXX, we were told it would be up to 30 days. We decided to close the account that has more than {$8600.00} credit balance in an effort to expedite our refund. A supervisor told my wife they would call us later that day with refund status and we could close the account at that time if we still desired. We still have not heard from Wells Fargo and no one can tell us when we will receive our refund.

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 2018-04-20
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: Their investigation did not fix an error on your report

Complaint:
I AM ATTESTING THAT THE INFORMATION ON THIS COMPLAINT IS ACCURATE. 

PLEASE NOTE THAT I AM DEMONSTRATING THROUGH CLEAR EVIDENCE what TransUnion has done. More specifically, failing to re-investigating certain challenges " not disputes '' and for them having lied about it. 

I have attached the letter addressed to them, but fear that they will provide another " generic response. '' I am fully aware of the laws around the FCRA and from the looks of it, evidently, they are not only making it worse for me by leaving the injurious items on my report, but are also boldly ignoring CFPB 's Credit Reporting Settlement Act/Agreement 's requirements by lying. 

REVIEW AS NECESSARY AND IF NEED BE, YOU ARE FREE TO PRESS CHARGES AGAINST THEM FOR GROSS NEGLIGENCE AND WILLFUL NON-COMPLIANCE

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