BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My XXXX XXXX expiring next month XXXX they sent out new card and never notified consumer that your current cards are deactivated - we are trying to use are current credit-cards and they will not work for my self and my wife very embarrassing call barclaycard and they said we have reset card not telling the consumer card is deactivated because new cards are sent out so we can not use our credit card for 10 days and we are stuck it was a hassle very embarrassing when card were decline at all retail store and gas station barclay should have notified the consumer all consumer and expidited the new cards but they never did that and never said anything to the customers

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 2015-07-21
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Transaction issue

Complaint:
I have been a XXXX XXXX card holder since 1995. As of this year, they gave control of the card to Synchrony Bank. Unbeknowst to us, they transferred control in early XXXX shortly after we made a {$1600.00} payment to XXXX. We were told it would take 30 days for XXXX to transfer this payment to Synchrony Bank. In the meantime, we have faxed proof from our bank that these funds were indeed taken out of our account via billpay to XXXX. It has been 45 days now. After multiple calls to Synchrony, we ( myself and a representative from Synchrony ) contacted XXXX and were told that these funds had been transferred by XXXX XXXX. Now, they are telling us to get a " transmittal form '' from our bank to prove again that this transaction did indeed happen. Unfortunately, we have been charged a " late fee '' and the card was put on " hold '' while my wife and kids were out of town. Needless to say, she needed to use the card for gas to get home and was shocked it was declined. The representative from Synchrony Bank is still unable to locate this missing payment, and it seems to me that they are asking me to find it in their system for them. Additionally, they tell me that they will continue to charge late fees ( as well as affecting my credit ) until they can find it in their own system and apply it to our " new '' card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: Seattle Service Bureau, Inc
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased an item from a retail agency ( XXXX ) and it arrived damaged. Upon calling to return the item ; I was denied that option repeatedly despite of their return policy. I called Synchrony bank for assistance, they credit my card but placed the charge back on my account. I submitted proof and they refused to credit my account. Upon talking with the rep from XXXX I was told that the rep from Synchrony was a friend and he was n't worried about a charge-back. I wrote to the XXXX ; however they stated that they could not force a resolution. I canceled my credit card due to Synchrony does not support its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF THE WEST
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 2 weeks Bank of the West has been calling my work, every morning. 
They have NOT called my cell phone one time, not even once, nor have they sent me a default letter. 
On XX/XX/20 at aprox XXXX, I was finally able to get transferred to the dept that has been harassing the employees I work with. I asked why they haven't called my cell phone, they had no excuse. Had them remove my work number and gave them the phone number to my bankruptcy atty. 
At XXXX XXXX on XX/XX/20 they called my work AGAIN, the whole office staff yelled at me to answer the phone ( which is so embarrassing ) I did, I greeted them and guess what ... they hung up on me!!

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 2022-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i check my credit at least one a week on XXXX XXXX  or XXXX because i like to know whats going on and what is the rough estimate of my credit. well i checked it yesterday night ( XX/XX/2022 and noticed a different credit card or account added to my accounts and i havent opened any new card in like almost XXXX years like im XXXX month away from it being XXXX years ago. i think something got added by mistake or fraud. The account that just got opened was for XXXX and the total utilization that was used is XXXX which made my credit drop XXXX points. ive already been in contact with all three credit bureaus to get this handled. I found out that the card is for Care Credit which i have no idea what is it or what it is used for

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 2021-08-24
Company: EQUIFAX, INC.
State: FL
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:
I filed a dispute in regards to incorrect information found on my credit report. It has been will over 30days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full and was charged interest. When I called about it I was told I would need to pay the interest even though I had already paid the balance and that I was being charged interest on that interest. With this practice I will not ever be able to pay off the account. According to XXXX at Citi this is there practice.

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 2020-12-09
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pnc bank has been holding all not part of my funds since XXXX of this year and I have money in there from every month in this year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX ], XXXX XXXX XXXX XXXX XXXX Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-10
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX World Omni Financial Corp has breach the agreement as it pertains to the truth and lending law. They fail to issue a form XXXX. They fail to give me a check for the finance charges. According to 15 USC 1605 the amount of the finance charge in connection with any consumer transaction shall be determined as the sum of all charges. Charges or premiums for insurance written in connection with any consumer credit transaction against loss of or damage to property or against liability arising out of ownership or use, shall be included in the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: U.S. BANCORP
State: CT
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:
On XX/XX/22 an unauthorized person. used my ssn and tried to open a usbank credit card. 

I reported the fraudulent transaction to usbank and XXXX XXXX. 

Usbank did not open the credit card and XXXX XXXX advised me to report the incident to the federal trade commission.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was given a forbearance by SLS in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time SLS has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called SLS in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called SLS and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!

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 2022-03-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX XXXX Account # XXXX ]XXXX XXXX  [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2016-06-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Cardinal Financial offered a better rate on my mortgage so I followed the normal refinance process of full disclosure of my assets, income, and obligations. There was no doubt that I had at least 60 % equity in my home based on selling prices of like models in our subdivision. I said to Cardinal Financial if I did not qualify for any reason I would not pay for an appraisal. Cardinal Financial said I qualified so I paid the {$470.00} for the appraisal. The appraisal came 10 % lower than comparables, but still showed 50 % equity. I have a pension, social security, and had a part time job. Next thing Cardinal called me and said the part time job needed to be in existence for 2 years and suddenly I did not qualify. Since my wife at this time received an inheritance that could bridge this income shortfall through an annuity I offered this as a substitute for the part time job. The individual I was working with suddenly would not return my calls as well as any of my contacts at Cardinal. I registered a complaint to the North Carolina XXXX ( case id : XXXX ) to get my {$470.00} back and even though they responded that I did n't qualify because of the XXXX job, they never answered my other questions such as why I qualified before the appraisal but not after they got my {$470.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX while in XXXX XXXX a friend and I visited XXXX XXXX XXXXXXXX XXXX. I was told that the bill was going to be XXXX Pesos however after I signed one of the receipts he came back and said it was denied and asked me to sign again. He was covering the amount and when I uncovered it is was for XXXX Pesos. I complained to him but decided to allow the extra charge. The next day I got home and looked up the charges and there were 2 charges from 2 different establishments. XXXX and XXXX XXXX XXXX XXXX When I contacted my credit card company Capital One they informed me that the charges were made with XXXX minutes of each other. Obviously this business has a setup to double charge customers. After Capital One supposedly investigated the charges they found no evidence of fraud and charged me {$600.00} USD for the fake transaction plus {$510.00} USD for the one that I did authorize. I have already closed my account because of the poor customer service but I still have a balance to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This past XX/XX/2018 I refinance my home with Loan Depot with a VA guaranty loan. Loan Depot didn't wire the full amount of the payoff to the original mortgage holder. The wired {$130000.00} instead of the amount stated in the payoff statement from XXXX XXXX XXXX of {$130000.00}. Account Number XXXX XXXX XXXX XXXX are calling me to pay the {$610.00} because they added a late fee of {$56.00} they claim the payment is short and Loan Depot is saying that they already made the payment and that is on me to contact XXXX XXXX XXXX to credit my account. I have been talking to both entities since XX/XX/XXXX and neither one is willing to fix the issue. 

Now I have two outstanding mortgages {$130000.00} XXXX XXXX XXXX which is showing two months late since they haven't credited the account and the new loan for {$190000.00} to Loan Depot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
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 returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation