BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other

Complaint:
We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?

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 2015-11-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2016-08-31
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in 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 2016-07-17
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There are two issues that I am dealing with.

( 1 ) I placed an order for {$68.00} but when it was emailed to me it was charged at {$210.00}. I called to cancel and close my account because I had several other problems with paypal. When I looked at my statement they were requesting a payment for the full amount of {$210.00}. So I reported it to my credit card account holder and started a dispute. I once again requested that paypal cancel my account and I took my banking and other payment accounts off paypal to stop their ability to withdraw money from my accounts. They emailed me saying that they would refund my money and cancel my order. 

Purchase ID : XXXX Order date : XX/XX/XXXX XXXXXXXX XXXX Cancellation Date : XXXX XXXX They are still asking for the funds ( 2 ) The other issue is that I received an email telling me that they had approved a payment for {$1000.00} for a Bit Coin purchase ( XXXX ) dated XX/XX/XXXX. I called to tell them that my account was closed and I had not placed this order. So I decided to contact you. The address on the order s not mine and this is very unusually. 

Since this has become an on going problem I need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.

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 2016-08-13
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The lender does not disclose accurate account information in the collection of this debt. Paper statements and online account access does not clearly disclose how much interest is being charged to each student loan monthly. Furthermore, paper statements and online access do not show clearly show the application of how payments are applied, even when a borrower tenders payment application instructions. The lender advances payment due dates when additional payments are made beyond the IBR plan designated payment amounts. The concern is that when the payment due dates are advanced interest may be charged to the loan for the future due date period and then when the actual due date period comes interest is again charged to the loan for the actual period. A borrower would never know because the lender does not clearly disclose what interest is being charged, or how payments are applied ( pmt. to monthly interest vs capitalized interest vs principal vs fees ) on a monthly basis to each loan group. Therefore, a borrower can not understand the status of their loan in terms of growth or reduction, or have a real opportunity to identify discrepancies, and if needed dispute the accuracy of their account. 

Furthermore, if the lender holds several loans the loans are lumped together by loan type as one amount on the paper statements. This practice does not reflect the actual accounting of each loan and prevents borrowers from learning the actual amount owed and status of loans. Rather, the accounting practices of NMSL with borrowers who are on an income based repayment plan appear to be designed to minimize disclosure about individual loans, keep borrower 's in debt to collect as much as possible from them for as long as possible, and grow the debt as much as possible to allow for a bigger write off when loans are forgiven ; instead of allowing borrowers who are willing and barely able to make financial sacrifices beyond the mandated IBR repayment amount to make informed decisions that would allow them to actually pay off smaller loan amounts. 

In not disclosing a proper accounting of what is happening to the loans on a monthly basis and separating the loans by the actual loan amounts owed I am concerned this may be a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

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 2022-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in XXXX & XXXX in Equifax ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have request that chexsystems remove this credit freeze from my report. I have mailed thoccasionsem my docs requesting removal of thier product. I sent them my documents on multiple occasions. They continue to disregaurd my rights. I spoke with XXXX # XXXX, XXXX # XXXX, I need this security freezed removed from my file. Now!

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 2022-11-15
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
made an extra payment of XXXX on XX/XX/2021 XXXX was applied to interest XXXX was applied to escrow the house was sold and paid in full on XX/XX/2021 On XX/XX/2021 I called Community and was told the XXXX is payment of interest for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: APR or interest rate

Complaint:
I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( XXXX visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of XXXX! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds looked into it and they were ordered to pay back the unlawful charges to consumers. I was one of them! I actually got check in the mail with an explanation. This was after I had PIF and closed my account! The only reason I opened another account was I thought they had learned a lesson and this tone the promotion was legit. I guess I was wrong!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I used Cardinal Financial as my lender on a new home purchase. During the application process, I was to obtain a survey, which costs would be paid out of pocket. The first payment was {$500.00}, which I made via credit card to XXXX XXXX. Because it was new construction, the bank wanted another survey which cost an additional {$150.00} which I also paid out of pocket via a credit card on XXXX/XXXX/2016. During closing I noticed that my closing docs had a charge of $ XXXX for the survey that they indicated they paid to the vendor. They indicated to contact my closing agent XXXX XXXX for a refund. I called XXXX that afternoon and she indicated that she would get that processed right away. In fact I received an e-mail on XXXX XXXX that she requested the refund. To date I have not heard back from the lender on this. After several attempts, the lender is no longer responding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX  ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent

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 2021-07-31
Company: JPMORGAN CHASE & CO.
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was offered a card that had XXXX interest for the first 6 months, I was told by the store merchant that at the end of 6 months I would be charged interest. It was never explained to me that the interest would be compounded. So now I 've noticed that I was charged one lump sum of over {$300.00} in interest plus on going interest at XXXX %. I called to complain and offered to pay the entire bill and they refused to waive the lump sum interest. My issue is the lump sum interest being tacked onto my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In roughly XXXX, I was called by an XXXX call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing XXXX XXXX dollars American. I challenged the claim stating '' I find that hard to believe as I only have a XXXX dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the error. He assured me it was cleared and I checked. It was XXXX balanced. 2 weeks and another phone call from XXXX this time willing to give me a break and I only owe XXXX XXXX. I hung up, immediately called the GE rep. Who was astonished that the amount had been again inflated from XXXX. He again XXXX the account, and I further asked him to close said account. It was done confirmed, and I have not looked back. Now Syncrony bank the new GE money crew are threatning me with a law suit of XXXX dollars in late fees, penalties etc. On an account I cant even get into to check as it is indeed closed. I have informed them of the latter and they in turn have sent me a supposed verification of the amount owed which is contrived of debt going back to XXXX, and skipping through the years of XXXX, and XXXX when closed. The information is not complete and contains only the penalties and late fees, but no actual charges for goods. I do not owe them, yet they are threatening wage garnishment in Oklahoma where i reside. When I tried to contact Walmarts fraud department I was given the number. When I contacted the number it was a direct line to the same group trying to sue me. This all sounds illegal and fraudulent.

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