BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
trans union is allowing XXXX XXXX XXXX XXXX XXXX to report on my credit file I never gave up my rights under Hippa or The privacy act to allow my medical information to be reported to anyone who pays them this account was reported with XXXX balance and was being paid by my insc company

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 2015-12-28
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I made a complaint through this complaint process for Transunion and the complaint response did not address not XXXX thing that I complained about and the CFPB closed the investigation or complaint. The issue was never even addressed! Transunion refuses to unlock my online credit report so I can dispute inaccurate information. It already been over a year since I was able to access my Transunion credit report. This is my second complaint and I am ready to contact an attorney because I still can not get a live person, I can not access my Transunion credit report and I can not access to dispute the information. There is a XXXX car loan that needs to be removed! I can't do that because I can not get my account unlocked!

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 2020-04-17
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company was told to cease and desist, they however filed a civil action, talked with XXXX XXXX and they said have file sent back. I spoke to collection company and they refused to send it back and said it does not appire to meet requirements because your not working ( covid-19 related ). I told them I have zero assets, no income, etc.. however the XXXX XXXX was willing to work out to prevent further issues due to situation, the company refused. I was never notified by company of any pending action or civil filing, the company apparently filed after I said to stop calling me and said it was harassment. 
If they would have sent it back to XXXX XXXX  as requested then it would be handle by me though them but they refuse amd rather file civil action on a emergency service volunteer who lose job due to covid-19 and has no assets or income and only a joint bank account with someone that is under social security XXXX and health issues, they don't care this affects a XXXX XXXX under SS, a XXXX   individual, or a child all in problems due to covid-19, they rather keep file for civil then send back to snycony so I can work it out as they said due to situation they can work out arrangement on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT Account Name : XXXX XXXXXXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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 reason 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 2015-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I received a bill in the mail for {$24.00}. I do have an XXXX account. I remembered making a recent payment to XXXX. There was nothing past due. On my bill from Synchrony bank showed no purchases. A customer representative from the bank told me to call XXXX. XXXX told me that I did not owe any money. I have the bill from the bank.

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 2015-04-19
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
While reviewing my credit report, I see a credit inquiry from barclaycard made on XXXX/XXXX/XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they verified that it was made by myself because the social security number, DOB, contact number and mailing address was correct but none of that information was providing showing that it was. I 'm XXXX sure that I did not inquiry about a credit account with this bank. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act. Being that I 've been a victim of identify theft in the past, I 'm aware of my rights to receive this information but was not provided with any information.

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 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.

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 2015-07-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for a hom furniture card with G e Capitol i have been making the month payments as stated on my statement and through the automated system. I was now advise today that my balance went up over XXXX due to finance charges and will continue to accrue XXXX each month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-23
Company: SYNCHRONY FINANCIAL
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 is not mine

Complaint:
I had XXXX at the XXXX. it is XXXX per XXXX UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to care credit that owned the debt but they sued, used XXXX and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX XXXX at the XXXX said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a XXXX complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my XXXX. I believe the statement was false to make it seem on the XXXX that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a XXXX which i believe is fair to all parties and was paid the XXXX year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the XXXX for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CHECK INTO CASH INC.
State: KS
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
Check into Cash XXXX have started to call my neighbors and their caller ID clearly showed Check into Cash, XXXX. They have requested my neighbors contact me. My neighbors were clearly embarrassed to do so. Although I have not lost my car yet I know that they want a very good car they loaned on the cheap. I am XXXX ill and over the last month have been extremely XXXX XXXX bills take precedent over a 179 % loan at this time. I had informed them that making a XXXX mile round trip was at times going to be impossible and was informed " we only accept cash payments ''. The pressure I am under beyond description. I have already, in interest payments alone, paid them more than what I borrowed. I just will not end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX I financed a motorcycle loan with GE Money Bank, SYNCB/XXXX out of XXXX, SD XXXX. During the 6 years that the loan was in place I was late only XXXX time which was due to an error on my part and this took place in XXXX of XXXX. Since that time I had made special effort to pay all of my loan payments on time even paying more then the required amount with the intent of paying off the loan early. I even called in to determine the payoff if the loan was paid off early and was informed that the type of loan that I had it would not benefit me to pay it off early as there would be no cost savings or amount refunded to me for paying the loan off early. I was never notified that the loan matured prior to the monthly payments running out and that the total amount would be due in XXXX of XXXX. I was under the assumption that I would still have monthly payments and as long as I paid on time and the amount due all was good. 
However I found out this was not the case when I received a phone call in XXXX of XXXX with this regard and was informed that my total balance was due and that I was past due even though I had made my regular payment ( {$200.00} ) on the normal due date that some month but because it was not for the total amount due I was delinquent and past due. Even though I was surprised to hear this I immediately sent out a check for the total remaining balance ( {$980.00} ) on my account. 
Please consider this a formal complaint on the basis of Predatory Lending tactics and I would like to formally request that this derogatory record be removed from my credit file and history. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: Platinum Holdings Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.

Company response to consumer: Closed with explanation