BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
My daughter and I purchased two pieces of furniture from XXXX XXXX XXXXXXXX ; a table with 4 chair stools ( {XXXX} ) and a Buffet Cabinet ( {XXXX} ) along with {XXXX} protection plan and tax {XXXX} for a total of {XXXX} on XX/XX/2022 using Synchrony XXXX card. Both items were delivered but the buffet cabinet ( {XXXX} ) was defective, so we rejected it and it was sent back to XXXX XXXX. The buffet cabinet listed on the invoice as the Console with 4 Mirror Doors was defective which we have video proof of, it was never accepted into my home. We only kept the table and chairs. We filed a XXXX complaint against XXXX XXXX because they were trying to charge for furniture we never accepted into our home and do not have possession of even now. We got the runaround trying to get the correct invoice. Finally through XXXX XXXX XXXX XXXXXXXX XXXX sent a corrected invoice, {XXXX}. We called Synchrony Bank, we have told them that the invoice of {XXXX} is incorrect. I was told it would be corrected. It still has not been corrected. I sent them an online message on their website along with the corrected invoice attached to the message to please correct the account balance to reflect the correct amount. Synchrony Bank is still charging me the amount of XXXX which is incorrect even by the XXXX XXXX invoice that I have also attached to this complaint against Synchrony Bank. I have also cancelled the Protection Plan with XXXX XXXX and have requested cancellation and refund. I am filing this complaint because I have not been able to get Synchrony Bank to fix this and charge me only for the products/merchandise that I actually purchased and received. Please see the attached invoice and please correct my Synchrony Card balance. Thank you!

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 2022-08-16
Company: EQUIFAX, INC.
State: FL
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 am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the accounts below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed 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 2020-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Dispute on XX/XX/XXXX Response Dated XX/XX/XXXX Received in Mail XX/XX/XXXX Report Number : XXXX Transunion XXXXXX/XX/XXXX XXXX XXXX, PA XXXX The company that reported the information has Verified As Accurate. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # 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 2022-03-25
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I never attended the school. The loan was processed and disbusted to a school that I never attended. 

XXXX XXXX Subsidized XXXX XXXX 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 2020-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I spoke with XXXX  XXXX they advised they have no reference of Portfolio Recovery Collection Services is reporting. I have attempted to contact the creditor and the number is none working. Portfolio Recovery Collection Services could not validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. 

According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. 

If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. 

This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Barclays XXXX XXXX XXXX Business MasterCard that earns XXXX XXXX miles based on spending on the card. I earned approximately 70,000 miles with this card, including a signup bonus. 
XXXX XXXX recently terminated my XXXX account, unilaterally and without warning, and confiscated the miles in the my account. They have not provided any details about why and have not given any way to appeal this decision. 
Barclays ' corporate partner, XXXX, has essentially stripped away the benefits earned via a Barclays credit card product. The approximate value of the miles earned via Barclays and then confiscated by XXXX  is ~ {$2500.00}. 
I kindly request that Barclays reimburse this amount or work with XXXX  to reinstate my account and the miles that were fraudulently confiscated.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
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 am a natural person, i am a living human being, i have rights Under 15USC1681. Experian is govern by 15USC1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because according to 15USC1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts. 

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 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 2022-08-16
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: Information belongs to someone else

Complaint:
Equifax This company is still violating my rights. 
15usc1681a ( 3 ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information.

There is a need to insure that consumer reporting agencies exercise their grave responsibility, with fairness, impartiality, and respect for the consumer 's right to privacy.

15usc1681b ( 2 ) in accordance with the written instructions of the consumer to whom it relates never gave permission or consent to do this. 
I never gave permission or consent to do this. I've been treated unfair -partial and did not respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had closed my account with XXXX due to purchasing a home and moving addresses. XXXX stated over the phone that there was no balance to be paid and my account was in good standing. XXXX then opened up a new account unbeknownst to me, never sent me a bill and closed the account a few month later. According to the debt collection agency who purchased the fake debt, XXXX sent me a letter in XX/XX/XXXX to the old address that I had not lived at for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
*Email from XXXX XXXX to XXXX on XXXX My name is XXXX XXXXXXXX , previous XXXX  customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with XXXX on XX/XX/XXXX and received a decision from XXXX  on XX/XX/XXXX stating the following : " The company that reported the information has  certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with Transunion.

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 2016-11-13
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance of my home mortgage with Freedom Mortgage on XXXX/XXXX/2016. Finally closed on XXXX/XXXX/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.

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 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2015-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: U.S. BANCORP
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief