BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Ordered the Amex XXXX credit card in XXXX, and due to delivery issues did not recieve the card until XXXX. Their customer service agents were useless in fixing any issues. Welcome bonus was spend {$6000.00} in 6 months from applying for the card. Was told they would put an inquiry for me to help try to get me an extension on my welcome bonus and I would get a response in 1 week. Called back after a week and was told I would never get a response from them for that, the inquiry was resolved and that I was XXXX. Was lied to about getting contacted from their leadership team and feel as though I was jipped by a delivery error they do not take responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
Synchrony Bank took over XXXX of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP XXXX Credit, and TJX Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as XXXX for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose XXXX looking in the spam trap. They refuse to eliminate the late charges after the first but always charge interest, and they post against my credit record. They then call with threatening collection actions and even put XXXX card " on hold '' four days after the end of a billing period XXXX with a purpose of getting me to let them draft a minimum payment from my bank. I tell them that that will never happen and they do not like that response. I have no outstanding credit card debt and pay no credit card interest by design. I should not have to go through their clunky websites to get my bill on a monthly basis particularly since some of the accounts are not used on a monthly basis. I judge that it is no longer safe to have bills sent through the XXXX mail. Either this bank does not have the technology or chooses not to use the technology that we as consumers are accustomed to having available ; or perhaps this is simply their ploy to increase the revenue stream by creating late fees and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: CURO Intermediate Holdings
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt to a payday loan company called Speedy Cash that I took out online. They call me multiple times a day, upwards of 6-7 times a day, sometimes before XXXX am and even as late as XXXX pm. I will decline a call and they will immediately call me back, yesterday it was three calls within a XXXX minute timeframe. I have answered and told them that they needed to quit calling me so much because I work in a XXXXXXXX and cant always answer, and yet they still repeatedly call me and are blowing up my phone all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked toXX/XX/XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: MO
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 3 separate occasions I have attempted to remove a fraudulent address from my credit report at Equifax. I have filed the dispute process twice and never received any indication from Equifax it has investigated or removed the address. 

Today, I pulled my credit report and the address is still shown at Equifax. I attempted file another dispute, but, it will not let me as it says a dispute has already been filed. I attempted to call Equifax to resolve this and/or find out when this will be resolved. I can not get through to an agent. 

I am very frustrated by this and would like this removed ASAP. I suspect its fraudulent and Equifax is ignoring my requests to resolve this perpetuating the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filled a " fraudulent activity claim with " CHIME '' on XX/XX/XXXX. I complied with the information requested plus more by " CHIME '' My claim was denied multiple times. In 3 of my conversations with " CHIME '' I was sent to a supervisor in the fraud dept and these 3 supervisors upon investigation said that they have not even opened my supporting documentation. 

The only explanation given for denying my claim is " No errors found '' Even though I send all documentation plus to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: MD
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 filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: MD
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 filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX XXXX XXXX  This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortage company has sent me three annual escrow analysis statements all three times increasing my monthly mortage payments. If this is suppose to be an annual occurrence why has it occurred three times in one year? I've called multiple times and can't get a resolution or can anyone tell me if this will keep happing more then once a year.

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 2015-10-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a dispute to Synchrony Bank regarding an appliance purchase I made from XXXX XXXX. Synchrony asked me for no information and said they would be in contact to let me know where to send my documentation. Approximately one month later I received a letter stating they had contacted the retailer who had provided them with documentation that the charges were valid because the unit was in " perfect working condition '' based on an inaccurate assessment from an unqualified servicer. This servicer 's assessment was disputed and a second servicer was sent to my house who did identify and issue with the unit, this is on record with XXXX. However, the merchant stop responding to my requests on XXXX XXXX. I have since sent numerous requests to the merchant without a response. The merchant has also falsely reported all of this information to Synchrony Bank using the documentation from the first service provider as evidence. It has been determined by Synchrony Bank that I am responsible for this purchase based only upon the merchants limited documentation and Synchrony Bank did not reach out to me to let me know where to send my documentation which extends beyond what the merchant provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have made XXXX payments on this account and they have only posted 1 to my account. i have sent them bank statements showing payments coming from account and they still continue to harrass me for payment and say i am 3 months behind. I am 3 months AHEAD but they post to wrong customer & I get harrassed and threatened with collections. Their CSR response and assistance is horrble. They do not follow up, do not acknowledge bank statements faxed to them and do n't work on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.

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 2016-07-07
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
While the harassing volume of calls is a problem ( 4 in a 5 hour period ) is a problem, I spoke with Conn 's Home Plus today @ XXXX regarding a past due payment. I advised that they could use the card on file to process payment on Friday, XXXX XX/XX/2021 for {$250.00}. After I got off the phone, I received an email notification that they processed the amount today the XXXX of XXXX. This, I believe, is a Violation of FTC Statute 1692.808 subsection ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 

I would like to file a formal complaint against Conn 's Home Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery Services has received numerous validation debt letters over the years and request to verify 100 % proof and 100 % accuracy of a debt I have no knowledge of. They have sent printed screenshots of an account a few years ago which violates the FDCPA and I immediately sent another letter requesting 100 % verifiable proof 100 % accuracy of a written contract, signed documents to verify the debt and all my letters have been ignored by ERS. I sent them a cease and desist letter two years ago from calling me. Yet, I received a call at my mobile number from an unauthorized person from ERS named XXXX XX/XX/2017 stating she was attempting to collect a debt. They are aware of a cease and desist being in effect for the last two years. I called her back and left her message to cease and desist contacting my cellphone I never requested to speak to her. Now since I have been harassed by ERS I am requesting for ERS to again through the CFPB portal to provide 100 % verifiable proof 100 % accuracy according to the FCRA and FDCPA of a written contract, signed document that they claim on this debt I have no knowledge of, as this debt is not mine. Please provide the requested documentation through the CFPB portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation