BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: SYNCHRONY FINANCIAL
State: GA
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, we purchased bedroom furniture from Ashley XXXX. The furniture was scheduled to be delivered & assembled by Ashley XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. An assembly person was sent on XX/XX/XXXX and one dresser was damaged when he opened the box and the other one was damaged during his assembly process. Ashley XXXX was supposed to replace the damaged furniture on XX/XX/XXXX but did not. We went to the store on XX/XX/XXXX to request a refund. Instead of refunding our money, they offered to provide replacement furniture but we had to pay the difference, which we paid in cash. 

This new furniture was scheduled for delivery on XX/XX/XXXX but Ashley XXXX again failed to show up nor make any attempt to contact us to explain why. So, we never received the new bedroom furniture we purchased. I attempted to return the damaged furniture to the store XX/XX/XXXX and but XXXX XXXX at the XXXX store said not to. We went to the store on XX/XX/XXXX to request a refund. We were refunded {$760.00} that we paid in cash but never received a refund of the {$2100.00} that was charged to the Ashley ( Synchrony Bank ) card. Ashley picked up the damaged furniture on XX/XX/XXXX but we have not received a refund, nor has the amount been credited back to my Synchrony account. 

I have disputed this charge 3 times with Synchrony. Synchrony continues to incorrectly dispute the full amount of my Ashley purchase. Because of this error on their part, they have been unable to get the fraudulent charge credited back to my account. I have tried to contact both Ashley and Synchrony but have had to wait on hold for hours. Several times the Ashley line just hangs up after I have been on hold for hours. Synchrony has equally been ineffective at resolving this dispute as they seem to not be reading my supporting documents. 

I also filed a compliant with the better business bureau but Ashley stopped responding to the XXXX I believe that both Ashley and Synchrony are collaboratively trying to defraud me. Ashley has their damaged furniture back and I expect my refund/credit of {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28
Company: Tulsa Adjustment Bureau
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not owe this debt because i has a medicaid card that would have taken care of it and now it is making my credit look bad i have had a medicaid card since 2008, and nobody at the hospital said anything about not accepting it and i did not receive any bills for the XXXX visit so i dont feel like it owe it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an XXXX XXXX of XXXX through my bank ( Suntrust now Truist ) in XXXX. I was told the loan would close in 2 weeks. I originally requested XXXX the bank counter offered {$17000.00} for home improvements. I was approved and in XXXX, however the loan never closed. I can not get any one from the bank to explain the delay of almost 4 months. I have been denied access to anyone in the loan department or any one in underwriting. I believe I have been discriminated against as an XXXX XXXX XXXX. The bank required me to pay off a car loan and credit cards in order to bring down my DTI. I did exactly what was requested, I submitted tax records, check stubs, etc. Still no closing and no one will assist me. I have sent numerous emails, stopped by the bank, I am being refused service. It is clearly discriminatory. 
My bank contact is listed below : XXXX XXXX XXXX, XXXX, Vice President, Branch Leader II / Truist, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Mail Code : XXXX Office : XXXX XXXX Other customers are closing loans with in 2 weeks, Please investigate this egregious behavior.

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 2022-09-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XXXX, 2017 XXXX {$100.00}

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 2015-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: FinCo Services Inc DBA Current
State: WY
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:
I've been charged {$460.00} in fraudulent charges on my account and my bank provider has denied to credit for the fraud because I have no evidence supporting my claim. Ive contacted them on multiple occasions to appeal my account and they're not contacting me back for over 72 hours. I can not contact the company who applied charges to my account because they are out of country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 NEVER BEEN UPDATED THAT THESE ACCOUNTS WAS REMOVED

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 2016-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Credit Bureau 's are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed 30 days they must remove these accounts from my credit report.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Account/Reference # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-27
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Pretaining to 15usc1681e Section b ( Accuracy of report ) it states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Since my last complaint the company stated that there was in fact a change to the account but as shown what they are reporting is still inaccurate. You cant maintain maximum accuracy with incorrect items still being used therefore i am demanding this information to be removed from my credit profile immediately

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 2016-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The credit card company did not credit my account for a refund I received from a merchant. I contacted them three times by telephone and each time I was assured by customer service representatives that they would correct the problem. However, it was never corrected. I then wrote to the credit card company at the address they indicated for billing disputes and provided supporting documentation regarding the refund I should have received. They never responded and my credit card account continues to be listed in arrears and I continue to be charged an interest fee on the balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.

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 2022-08-04
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 credit report for both Transunion and XXXX are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XXXX. I paid off the credit card on XXXX XXXX and its still showing a high balance reported in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to Get my updated credit report. I want my credit Score to be 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 explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX Account/Reference # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} Bank of XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX : {$2900.00} XXXX : {$430.00} XXXX filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- Equifax, XXXX and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for XXXX years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my credit report : BANK OF AMERICA - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation