BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Two years ago I realized that Synchrony bank was not calculating my XXXX rewards correctly. Upon contacting the bank the phone representative did some calculations and agreed that the rewards were not being calculated correctly. Later I received a form letter from the bank stating my rewards were calculated correctly with no explanation as to how they were being calculated. 

Over the coming months, I filed complaints with the XXXX Florida Attorney General and Consumer Financial Bureau ( CFPB ). On each of the following dates, Synchrony bank denied to each of these agencies that my rewards were not being calculated correctly. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida Attorney General XXXX Florida Attorney General XXXX CFPB Finally on XXXX Synchrony Bank admitted to the Minnesota State Attorney Generals office that there were errors in the accounting of my rewards and credited my account XXXX points. In response I replied that according to my calculations there is an additional XXXX points missing and asked for a detailed accounting of every transaction on my account. 

On XX/XX/2022 XXXX XXXX, Senior Specialist of Synchrony Bank wrote back to the MN Attorney General stating there is an open remediation to determine any additional points missing points. ( see attached letter ) After 3 months I did not hear from XXXX XXXX. 

On XX/XX/2022 I called XXXX XXXX at XXXX, ext. XXXX and received a voicemail that stated she no longer works in the customer service department and was further instructed to call the number on my billing statement. I phoned the number on my billing statement and reached supervisor XXXX. XXXX informed me that there was no open remediation on my account. She said there was no other person I could call. When I asked if the XX/XX/2022 letter from XXXX XXXX was showing on my account, she answered in the negative. 

I have been lied to over and over for a period of 2 years by this bank. Despite repeated requests of asking for a line by line transaction history for my rewards I am refused every time. 

Some of the points I did receive were spent on purchases at XXXX. For various reasons some items purchased were returned to. XXXX shows a credit to my points but Synchrony bank never passed the credit through to usable points. In otherwords the bank kept my points.

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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have Bank of America Adv SafeBalance Banking ending in XXXX. I am trying to close this account- it has XXXX balance. I tried calling at XXXX three times during last Friday and Monday ( today ) .Bank of America have the very buggy, annoying and good for nothing bot which never let a customer talk to a human being.

Last week, Friday when I was talking to somebody in Bank of America, I asked them to Close the account- he said reach out to customer service.

Customer service is not reachable via phone or chat.

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 2023-11-06
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting 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:
All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : 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 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 XXXX XXXX. OneMain Financial - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed these accounts several time with the credit bureaus & creditors but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND TRANS UNION and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND TRANS UNION and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX XXXX XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and XXXX , TRANS UNION continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST 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 2023-09-20
Company: CITIBANK, N.A.
State: PA
Product: Credit 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:
A fraudulent charge of {$210.00} was made on my account on XX/XX/23. I reported this as an " unrecognized charge '' immediately when it was posted. As I think most people would think, I thought reporting an " unrecognized charge '' would be considered reporting fraudulent activity. After a week or so I was curious as to why they had not canceled my card and issued a new one, so I logged into my account, and see that CITI misclassified this as a purchase dispute with the vendor, rather than a fraud dispute. I immediately canceled the dispute to resubmit as a fraud dispute, but the system did not allow me to resubmit a dispute, so I immediately called to have them fix the issue -- this was XX/XX/23. I was assured the issue would be fixed and that I did not have to make payment for the fraudulent charge. After two weeks of not seeing anything on my account to indicate the issue was fixed, I called again on XX/XX/23... they did not see anything to indicate the issue was in the process of being resolved based on my previous call and again assured me the issue would be fixed and that I did not have to make payment. I had a repeat of this exact same call on XX/XX/23, again on XX/XX/23, again on XX/XX/23, and on XX/XX/23. The due date for my payment for the statement including this charge was XX/XX/23 -- since then, I have been receiving calls almost daily stating that my account is past due. This issue has still not been resolved, and I'm just told the same thing every time I call : " I don't see that this has been reported as fraud, we'll get the case opened, you do not need to make payment while this is being investigated. '' CITI seems to not have any desire to resolve the issue.

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 2023-05-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a blackmail scam in which I sent money via Paypal and XXXX. The blackmailer recorded a video via XXXX and was able to obtain my personal information. The scammers are still harassing me via email and XXXX and claim to be part of an organization. 

I have filed cases with XXXX but have not been able to file a case with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an offer letter to make a settlement payment of a debt of {$310.00}. 
I called the number on the letter and spoke to a rep. I requested a proof the debt belonged to me along with original creditor. 

I never received the requested information but the agency continued to call me. When I asked the rep to provide the information I requested so that I may verify the debt, she yelled at me and stated they have the right to sue me. 

I never received proof the said debt belonged to me. 

I spoke with two reps the second rep I spoke to was in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Thank you for your cooperation in this matter.

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 2019-01-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX & XXXX XXXX XXXX, XXXX NY to look at appliances for my new apartment. Salesperson XXXX XXXX assisted me. I had planned to use my credit card to make the purchase but Mr. XXXX encouraged me to take out the store credit card through Synchrony Bank and I would be given a promotional sale which is 18 months interest free to pay off my purchase. I credited {$3500.00} worth of appliances that day and he calculated my monthly payments as {$190.00}. I paid {$200.00} every month up until XX/XX/2018. In XX/XX/XXXX to my surprise I received an email from Synchrony Bank saying that the promotion would expire XX/XX/XXXX. I then made numerous calls to XXXX XXXX XXXX XXXX and was given the runaround. They put me on hold numerous times and then mysteriously the call was dropped. On one occasion they said that the manager was busy and would return my call. He never did. When I called back they told that the manager was still busy and I should call Synchrony Bank instead because they could not help me. The salesperson Mr. XXXX was always conveniently not at work to take my calls. 
I called Synchrony Bank and they told me that they had nothing to do with the promotional sale and that XXXX XXXX are responsible. I was caught between a rock and a hard place as no one wanted to take responsibility and rectify the problem. I balance of approximately {$1100.00} became almost {$1700.00} and when I paid monthly interest was again added monthly. In order to preserve my good credit I had to transfer funds from another credit card with a lower interest rate to pay off this never ending balance.

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 2019-10-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX ( XXXX XXXX. I and my family were residents at the XXXX XXXX XXXX in XXXX XXXX and our lease ended. We followed the process that we were told and moved out of the apartment on the last day after returning the keys to the main office. The office did not give us any statement showing our balance on our last day but we gave them our forwarding address ( our new address ) along with the apartment keys. We then waited for a statement ( or invoice ) and our re-embursement for the security deposit but we did not receive it. Recently, we got a call from a creditor company asking us to pay {$2500.00}. Our monthly rent used to be around {$1900.00} and we paid a security depost for the amount {$350.00}. 
We have not received any form of email notification, mail from management XXXX XXXX XXXX XXXX, nor our deposit check. Our 12 month lease term started on XX/XX/XXXX and ended on XX/XX/XXXX. 
Please help! What should we do? The creditor ( IQ-DATA ) told us that if we don't pay the {$2500.00}, by  the end of this month, they will update our credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: W&A Intermediate Co., LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Was made aware of collection accounts with Wakefield and Associates when purchasing a house. One collection account was medical ( which was paid in full ) and the other was for a car. The car purchased was returned to the dealership due to many issues involving the work culture at the dealership and mishandled paperwork. They agreed to take the car back and the deal was closed with no further payments. Then this loan appeared on my credit report with Wakefield. I agreed to make payments of {$50.00} in order to continue the purchase of my home, for 2 years i made payments and not one payment was reflected on the balance. When I asked for payment history and expected payoff date, they stated their company does not provide that. They would not provide me with any information regarding my payment history or balance. In XX/XX/2023 they called and asked if I would like to continue payments. I asked for payment history and balance payoff again and they would not provide anything helpful in that area. They then stated that the credit beruea was dropping the case and had no explanation as to what that exactly means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Affirm 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:
Affirm Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my XXXX Credit report. 
Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was traveling abroad in XXXX in early XX/XX/2023. I attempted to purchase train tickets and the credit card company put a hold on my account for suspicious activity. I contacted the company when I returned home and they stated they were unable to reinstate my account over the phone because I only have a mobile phone and not a landline. they said they were mailing a letter with instructions to follow to unlock my account. I waited more than 10 days and never received the letter. I contacted the credit card company again and after a 20 minute phone call a very disrespectful customer service representative told me no supervisor would be available to assist me for 24 to 48 hours. She stated I needed to wait for the letter to come in the mail. At this point, it has been over a month, and I can not access my card, can not review my balance, and can not make a payment on my account. I am concerned that interest and late fees are accumulating, and I am unable to get assistance from the company to unlock my account. My account name as it appears on my credit card with city is 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 2023-09-20
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: I.C. System, 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: Account status incorrect

Complaint:
Hello, This account is being reported by IC System , Inc from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone XXXX XXXXXXXX XXXX XXXX # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.

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