BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought an item through Walmart online, through my Walmart account via PayPal. I tried returning the item 4 times. No response from Walmart. I contacted them via phone. They assured it would be refunded, no further action by Walmart taken. It has been over 6 mos.

I then found the charge on my PayPal was refunded. And I had a positive balanc eon my Paypay account. Then about a month later ( XX/XX/23 ) I was recharged for the same billing. From the same company. I disputed the charge and I have had no response. I packed the item and took it to Walmart and they refused the return.

The I find out Synchrony handles the entity 's finances on all accounts. Synchrony has manipulate dmy accounts before with Walmart and Samsclub a year ago and it took extensive work to get them to correct the actions.

Synchrony, has manipulated my accounts a couple of times on 3 different platforms!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my XXXX  card on XXXX from a debit card tied to my XXXX XXXX XXXX ) for {$140.00}. My card has been restricted because XXXX  claims they can not verify my transaction. I have provided screen shots, picture of my debit card, bank statements, settlement information from the XXXX XXXX  but apparently that is not sufficient enough. They need me to wait until after my XXXX statement is created ( so XX/XX/XXXX or thereafter ) so they can see the transaction on a statement. I have provided more than enough information that is sufficient to clear this transaction. No one is will to help me, simply saying you have to wait. I have made my payment and I should be able to use my card. This is the second time they have requested verification information for the same account. NOTHING HAS CHANGED!!!!!! You can not pay something from a debit card linked to a checking account that does not have sufficient funds. It is absolutely ludicrous that I have spent over 3 hours on the phone and 3 days trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
XXXX  stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX # XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your XXXX credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount XXXX claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.

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 2019-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
1. ACCOUNT WAS OVERDRAWN -- BY {$1200.00}. BORROWED {$1300.00} FROM 401-K ACCOUNT- DEPOSITED MONEY.

2. AT THIS POINT ASKED IF THIS BROUGHT THIS ACCT CURRENT WAS TOLD THAT IT DID. REQUESTED THE ACCOUNT TO BE CLOSED.. WAS TOLD THE ACCT WOULD BE CLOSED 3. DISCOVERED THE ACCOUNT WAS NOT CLOSED. ASKED WHY AND WAS TOLD IT WAS STILL OVERDRAWN BY {$44.00}. TOLD BANK REP TO WITHDRAW MONEY FROM SAVINGS AND CLOSE THE ACCT. I WAS ONCE AGAIN TOLD THE ACCOUNT WAS NOT CLOSED. 
... ..I ALSO HAD A {$350.00} CHECK DEPOSITED IN THE MEANTIME CALLED THE BANK TO SEE HOW I COULD GET MY MONEY BACK SINCE THE ACCOUNT WAS CLOSED. I WAS THEN TOLD THE ACCOUNT WAS NOT CLOSED AND THIS MONEY WAS USED TO SATISFY ONCE AGAIN MONEY THEY FELT WAS OWED TO THEM. 
4. SEVERAL WEEKS LATER GOT A LETTER STATING THE ACCOUNT WAS OVERDRAWN BY {$210.00}. UPON SPEAKING TO REP WAS TOLD THE ACCT WAS IN NEED OF $ 500/OVERDRAFT AND ADDITIONAL {$160.00}. ALSO SOME HOW ADDITIONAL AMOUNT WAS QUOTED OVER THE PHONE FOR {$800.00}. 
5. WENT DIRECTLY TO THE BRANCH WAS QUOTED A DIFFERENT AMOUNT OWED.

6. GOT A CALL TODAY XX/XX/19 WAS TOLD THE ACCOUNT COULD BE SETTLED FOR {$210.00} HOWEVER I STILL OWED $ XXXX 7. SO CONFUSED BY WHY THIS BANK AFTER BEING A CUSTOMER FOR NEARLY 46 YEARS, HE DIFFERENT DEPT ARE UNABLE TO COMMUNICATE AND SHARE INFORMATION REGARDING A ACCT SUCH AS THIS ONE WITH EACH OTHER. SO THAT THE CONSUMER. DOES NOT FEEL THEY ARE BEING EXPLOITED.

8. FINALLY WAS TOLD THEY WOULD NOT CLOSE MY ACCT. I AM NOT A BANK I DO NOT HAVE AN ENDLESS AMOUNT OF MONEY -- BECAUSE OF THIS MY FINANCIAL SITUATION IS DECLINING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I bought my car for {$15000.00} from XXXX with a loan from XXXX XXXX, XX/XX/XXXX. I made payments on time until XX/XX/XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with XXXX XXXX multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from XXXX until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which XXXX and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was XXXX, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.

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 2019-06-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a proper dispute on account ( XXXX from XXXX XXXX XXXX with Equifax they received it on XX/XX/2019. I contacted the reporting creditor XXXX XXXX XXXX XXXX on XX/XX/2019 with a dispute and request for validation. I got no reply from XXXX, and Equifax refused to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX hard inquiries on my credit report that I didnt approve or authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently modified my mortgage. All payments have been paid on time. Selene finance is holding XX/XX/XXXX and XX/XX/XXXX payments in a suspense account and will not apply them to the mortgage. This is now showing as being two months past due and Im receiving calls and letters. The mortgage is not past due. Ive called many times and been told it would be corrected in 24-48 hours. Never happened. Ive also been told there is nothing we can do about it. Customer service is quite rude and changes their version of events every time you speak with them. My account is not past due, Ive paid every month on time yet they are refusing to apply the payment for no valid reason. Its as if they are trying to force me back into default when I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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:
The dispute process with Transunion is non existent. The online dispute web-page/website does not work. If you are able to get someone on the phone and get a dispute started it never seems to get investigated, resolved, or changed. It just evaporates and the disputed data is not revised removed or otherwise changed. This is not a new situation. 
Transunion should not be allowed to report on a persons credit worthiness if they are unwilling to do the leg work to maintain the data they report as correct. I would think that there are laws that govern this in the United States. 
Respectfully, 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 2017-11-15
Company: ALLY FINANCIAL INC.
State: NC
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 several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. 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 2020-09-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Have been a customer for years - Promised rewards for transfers. 
Always sent money to XXXX, XXXX where my spiritual family ( which I have visited more than 3 times over the years ). 

Have been denied a transaction to an existing recipient and subsequently denied access to all services from XXXX XXXX without explanation. 

In these times of need, it affects people personally. 

No response but still marketing emails showing 'Points ' available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have be working on a modification sinceXX/XX/XXXX. The property is worth on {$20.00} XXXX per boo Ocwen had done. 
I had been waiting then was told after that boo came back low in the XXXX month that I had to be writhin XXXX  month late on payments for a principal reduction. Then was told I had no income when I am self employed. Then now I am back in modification which I do appreciate XXXX Help but their is some suspicious activity. I have untilXX/XX/XXXX to submit my docs and XXXX survivors block my email address that I have proof to avoid my lease and docs request onXX/XX/XXXX. I still do n't know if they have my completed package. I also ask for a workout deal. Ocwen reps said no. Then I got a call onXX/XX/XXXX from some lady that XXXX told them to call me to ask for which address to send public records to when Ocwen new I was in a active modification and had tilXX/XX/XXXX to send in additional docs. I feel XXXX is trying to not help me save my property. ALSO OCWEN IS HARASSING ME NOW. HAD SOMEONE DROP OF COURT DOCS XX/XX/XXXX WHEN THEY KNOW I AM TRYING TO SAVE MY PROPERTY AT XXXX XXXX XXXX XXXX and refuse to give me a reduction in princip when they know the property is not worth {$70000.00}. All the units in the building two were sold for {$12000.00} and that is recorded.

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 2019-05-31
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian added my grandmother 's address to my credit report and removed my XXXX XXXX account which deleted my XXXX credit score completely. Now I have no credit score at all.

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 2023-01-10
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:
Im 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 U.S.C 1681. 
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 XXXXXXXX 15 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated 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 reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Factor Trust
State: MS
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:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

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 2018-11-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX 2 fraudulent charges were made thru my checking account. One was made in XXXX California for about {$15.00} and the other in XXXX XXXX New Jersey at a XXXX for {$80.00}. I was in neither place at that time nor have I ever visited those places in my life. When I saw the charges the next day I immediately called Td customer service line reported the charges and filed a fraud complaint. I went to TD bank in XXXX NJ to get a new card I closed my savings account and withdrew majority of my money from my checking but could not close the account because of the pending claim. 10 days later I got a letter in the mail saying they did not find it to be fraud because the charges were made via pin number and with in my area. those finding are impossible as I could not of been in cali and NJ at the same time on the same day and NO ONE HAD MY CARD OR PIN NUMBER. I opened another claim this time I got police report and brought it to the bank to show it was made and being processed. They have again denied the claim for the same reasons. Unfortunately TD bank had no direct line to the department and no one to speak to. Today I reopened the claim for a 3rd time in hopes they will overturn their ridiculous decisions. I would not go through all this trouble and switch all my banking information and autobill pay that is routed to this bank if fraud did not occur. No one has my pin or card. I have never been to either location and I most certainly would not travel to XXXX XXXX at XXXX XXXX to purchase XXXX bucks worth of product when I could go to a XXXX around my home. I will even go as far as getting surveillance from that XXXX of the night and time in question to prove I was never there making that purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my XXXX report and are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Additionally they were all tied to National Credit Cards/Airlines. I called XXXX and they said they were from Synchony Bank and I would need to call them and provided me the phone number of XXXX. I spoke with Synchony Bank and they denied knowing anything about it, and attempted to shift blame on XXXX XXXX, stating this was an issue with them, however, XXXX XXXX is only a monitoring company. They do not report to the credit bureaus. 

XX/XX/XXXX Syncb/Steinmart DC XXXX, Florida XXXX XX/XX/XXXX SYNCB/PAYPALEXTRASMC National Credit Airlines XXXX, FLorida XX/XX/XXXX SYNCB National Credit Airlines Orlando, Florida XXXX XX/XX/XXXX SYNCB/WALMART PLCC National Credit Cards/Airlines XXXX, Florida XXXX XXXX, XXXX SYNCB National Credit Cards/Airlines XXXX Floridaa I never authorized Synchony Bank to make these inquiries against my credit. I am requesting in writing assurance that all of my personal identification information be removed from any and all files both electronic and physical immediately. I am also requesting these inquiries be removed from my XXXX report so I will no longer be adversely affected.

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