BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a Credit Card payment to Wal-Mart. I called to see if my payment was received because I did not want to incurr a late fee. I was told by the representative that my payment was not received. So I made another payment in the amount of {$85.00} over the phone. I asked the representative when my first payment in the amount {$85.00} is received, I want a refund back. She told me when I received my statement call back, I said ok. When I received my statement I called back as the representative said. The representative told me I should receive a check in 15 days for {$85.00}. On XX/XX/XXXX When I did receive the check it was in the amount of {$63.00}. I called back and I spoke to someone named XXXX, she told me she`s putting in a request for the {$22.00} and gave me a confirmation # XXXX and that the refund is going to take 7-10 business days. Still have not received my refund. I called back and spoke to another representative named XXXX, he stated that the reason I have not received my full refund is because my payment was {$100.00}. On XX/XX/XXXX I spoke to XXXX and she told me to pay {$85.00} only because I was giving wro ng information ; They adjusted my payment from {$100.00} to {$85.00}. I told XXXX what was said by XXXX, he said he`s putting a request in for the {$22.00}. Never received it. I have been calling and talking to several representatives from Wal-Mart in regards to this. On XX/XX/XXXX was my last a tempted to retrieve my refund. I spoke to XXXX an account Manger, I played the recording of XXXX explaining why they made the adjust on my account for the {$85.00}. He said, he`s going to put in for the refund, never received it. I make my payments on time to Wal-Mart. I am not understanding why I have to go through all of this to get my refund of {$22.00}. Everyone of the representatives from Wal-Mart say been dishonesty in their speech. If I take my {$22.00} out of my payment I will have to pay a penalty. Just as they want their money every month I want mine. When you value your customers you respect and speak truth to them. I have recorded conversation with these representatives. Lastly they are not even trying to put my refund towards my account. I could not submit my recorded conversation with the WalMart representative this is XXXX WalMart representative explaining why my account was adjusted and her confirming the Supervisor telling me to pay {$85.00}. The supervisor name is XXXX and XXXX is reading from her notes in regards to the adjustment of the {$100.00} to {$85.00}, because of wrong information as I already mentioned in my complaint. The date again is XX/XX/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 2020-07-06
Company: WELLS FARGO & COMPANY
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:
I am completely dissatisfied with these companies called Wells Fargo Card Services and XXXX. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!

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 2020-11-22
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The complaint is about TD bank and XXXX XXXX. On XX/XX/2020 XX/XX/XXXXand XXXX XXXX XXXX moved me out of XX/XX/XXXX to XXXX XX/XX/XXXX. After nine days I didn't hear anything from the moving companies. I called them to find out about my belongings I was told " they don't know when you're going to get your stuffs ''. I called the bank companies to put a stop on the payment. After a month they put the charge back into my accounts. Then two months later, the moving companies used again my account to get the money and the banks had sent me a letter to let me know that they reversed the charge in favor of the moving companies without my consent. 
Now the moving companies have the money and my belongings on hands. I present the case to you to see in order to get your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. 

Please send a letter stating that these issue has been resolved to : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All of my accounts are under litigation and is reporting incorrect information. I would like for these accounts to be remove from my credit report immediately. Hard Inquiries, and derogative negative inaccurate reports. I'm having a financial hardship and I am unable to get approved for business and personal credit due to inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, also XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX, TX

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 2021-01-28
Company: TRUIST FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SUNTRUST AUTO DEALER FIN add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115  F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

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 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The collection company is Portfolio Collection in the XXXX XXXX area. 
They are calling me a odd hours of day. I have told them that there wa fraudulent activities on my accounts and I have called the original credit company and the issues resolved and settled. 
I called the original credit company and told them the incessant abuse by Portfolio Collections and they said to tell them again its been resolved. I am at an impasse of what I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: PA
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 Act Credit Reporting Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-05-21
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/20 I was perusing the internet to find dental implant offices ( XXXX XXXX XXXX  ) XXXX are very expensive and the site boasted financing options. 

I had filled out an application to see for how much I would be pre-approved. I applied with https : //www.carecredit.com/XXXX which is a company underwritten by Sychrony Bank . 

I was not shown / told how much I would be approved for, they simply said congrats and gave me a {$3100.00} line of credit. I did not want this line of credit, I simply wanted to find out if I was PRE-approved. I do not want/ need this credit card. It's absolutely worthless to me. 

I contacted Synchrony via chat was told they cant help me, I contacted Synchrony via telephone and was told I'd need to wait 3 days for the account to be active, then they could cancel, which would be a big hit on my credit score. 

Care Credit / Synchrony is unscrupulous, they lie and are predatory lenders. I feel like I was mislead while trying to get pre-approved. 

The Amount I requested was {$30000.00}., no where near the {$3100.00} they " Gave " me. There's absolutely no reason they should have just decided on their own to give me a card for the approved amount, I feel I should have been given the option to decline the amount first.. Especially if its only 10 % of the original request. That is nonsensical. It does me no good.

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 2019-03-01
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Hello Digit, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was no explicit mention of a regular fee for using the app. All I did was connect my Checking account and the next day an amount of XXXX USD was deducted. There was no intimation or confirmation of any kind. I have closed my account now but would like a refund for the uninformed transaction carried out. While deactivating my account, one of the reasons they ask is if it is because of unknown hidden charges ; which proves they are well aware of their practices. Lastly, it would be germane to have Digit mention it clear and bold about their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX, we were approved via our insurance company to receive {$12000.00} to put towards the replacement of our roof that was damaged during a hurricane. The insurance company issued the check to us but said our mortgage company had to endorse. They said it's a quick process just mail it to them and they'll mail it right back. After the roof was complete and I received the check from the insurance company, mid XX/XX/XXXX I think, I sent the check, the letter from the insurance company verifying this and the receipt to prove the roof had been replaced to XXXX. They advised us that we would only receive 90 % until the roof was complete. I called them to confirm it had been completed a couple months prior. They said they had to send an inspector out to approve the completion before we got the last 10 % owed. The inspector wasn't sent till mid XX/XX/XXXX, he spoke with my husband and said it look perfect we should be getting a check shortly. When the end of XX/XX/XXXX came about and we had not received it, I called XXXX to get an eta. They advised me our mortgage was given over to Flagstar Bank and all the claim information went with it so they were now responsible for paying us this final amount. I called Flagstar and they said the transfer wouldn't hit till XX/XX/XXXX. So I called after that this date and Flagstar said there was no information regarding this claim that it would take longer for all the information regarding our mortgage to arrive. I called a week or so later and spoke to someone in Loss Draft and at first he said he didn't see anything but then said he did see something was pending. He asked me to send him the report outlining the payment approved by the insurance company. I scanned and emailed it. I then got an email stating that the document I send was insufficient. I called to talk again to Loss Draft at Flagstar yesterday and was told they were down so the representative refused to pass me along. This is when I decided to come to you. It's been going on for months, I gave XXXX everything they could possibly need to approve this final amount of {$1200.00} and it was approved by one of their inspectors. I am NOT going to resubmit everything because these institutions can't get their acts together. My roofer is waiting on this money that came from the insurance company not the mortgage company!. Why are the banks refusing to complete the approved amount!! In my opinion, we should have been giving this money prior to the mortgage transfer.

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 2020-09-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to unfreeze my Equifax credit report, or access my online account. This has prevented me from opening a new cell service account for over a month. 

Equifax.com provides no way to reset a password, or to " chat '' about the issue on line. 
When calling any of the Equifax customer service numbers, a robocalls-voice asks a series of irrelevant security questions, then says " we are unable to connect you at this time ''. THERE IS ABSOLUTELY NO WAY TO REACH A HUMAN BEING AT EQUIFAX " CUSTOMER SERVICE '' TO RESOLVE THESE ISSUES. 

As I had to do a a few years ago, I sent a letter to Equifax requesting they " unfreeze '' my credit report, and also provide a way to reset access my online account. My certified letter with the required documentation was sent XX/XX/20, and ( per USPS tracking ) received by Equifax on XX/XX/20. Yet I have not received a response from Equifax. ( My husband 's request via mail was more successful, although Equifax did not provide info on how he could access his login on line, and he is unable to get through on their " customer service '' telephone. ) This company has control over my rights as a consumer, however, it is completely unresponsive to consumer customer service needs. 

Per consumer complaints with the XXXX XXXX XXXX XXXX, Equifax has a score of 1 our of 5 -- -with 1 being the lowest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : Dispute of XXXX charge dated XX/XX/2020 on CitiCard ending in XXXX. 

I disputed a charge by XXXX on my CitiCard. The basis of my dispute was that the prepaid hosting service was never " delivered '' as promised, configuration was never completed to allow me to use the service. XXXX claims to CitiCard that they have a " no refund '' policy. I contend that they never delivered the service, so refund policy does not apply. When I filed the Dispute with CitiCard, XXXX disabled my account and said they would not continue configuring until and unless I cancelled the Dispute. 

CitiCard made claims in writing that they had not received my documentation for the Dispute when in fact they had already sent me an email acknowledgement and admitted over the phone to receiving my documents. They made promises over the phone to reply in writing to acknowledge the documentation was received and the nature of my complaint. CitiCard then deflected this Dispute to require me to provide documentation that ... the merchant agreed to credit [ my ] account.. 

CitiCard never responded in writing and have since been calling me on average six times per week to review my account online. 

I have stopped using the CitiCard and paid them in full except for the disputed amount.

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