BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Rewards

Complaint:
Barclaycard closed my account and took the earned points I had on my account with no explanation as to why. The accumulated points totaled XXXX, with an approximate value of {$15000.00}. I received a letter stating that the account was closed " in accordance with the terms and conditions of the Card Member Agreement. '' The letter never states which term or agreement was violated. I have never been late on my monthly payments or missed any payments. I made several phone calls to discuss this with no success. Each time I was told to mail a letter. Attached is the letter I mailed to XXXX different addresses I was given by Barclaycard Customer Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I hired an attorney because the billing was not correct and the bank changed the interest rate without my authorization. Once my attorney contacted the bank the debt collectors started sending robo-calls to my wireless telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Synchrony charges excessive late fees to their consumers. Not only that, but they add it to the balance owed so they add late fee on top of late fee with no option to negotiate a payment plan. This is how they want to make money. Their representative need better training also. They are rude, talk over you and are aggressive.

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 2018-05-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient continues to change the amount of Current Amount Due each month. I have never been charged a late fee. However, they continually send me notices saying that because I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to your loan ( s ) listed below. 
I have not been in a natural disaster area. If I needed help I would call. However, that changes the amount and interest even seemingly though I continue to pay and ignore the fact they are giving me forbearance. 
They do not want this loan to every be paid. They want to continue to collect higher interest. I am working hard to pay this off. 
I have heard of other complaints saying that even when they paid the loan off they continue to get bills saying they owe interest even after paying in full. 
Also they do not recognize my account number with my SS number when speaking with a representative. I only make payments by phone. I do not trust them at all. 
I always ask for a confirmation email and have saved everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Farrell Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Called at XXXX. Also calls 6-8 times per day from different numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
We have a complaint before you - Consumer Financial Protection Bureau Case number : XXXX. We received a report from Trans Union dated XXXX XXXX, 2015, but the report failed to provide any supporting documents again per our request see our XXXX XXXX, 2015, letter requesting deposed information. We are having an issue with a XXXX score for XXXX allegedly adverse reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am truly a victim here. 

AWA collection Avanta recovery service XXXX credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to obtain my free annual credit report online from Transunion but was notified that it was unavailable. It stated that I could fill out a form and mail it in to receive my credit report and so I did. I then received a letter from Transunion stating that they could not locate my credit report but I could provide them with proof of my identity, address, etc. and they would attempt to find my report. So, I mailed them copies of my drivers license, utility bill, social security card and birth certificate. Finally, they have sent me my report. Not only have they made me jump through numerous hoops and send them highly sensitive information which if it fell into the wrong hands would make my identity very easy to steal, they have provided information to my credit card company ( XXXX ) that has resulted in my FICO score to drop XXXX points when I access it through XXXX. However, I have no negative information on my credit to explain this massive drop in my FICO score. In fact, I have accessed my FICO score through my other credit card company ( XXXX ) and it shows no such drop in my score ( they rely on XXXX to access my information ). I feel that I have been unfairly treated by both Transunion and XXXX in that my FICO credit score has been adversely affected through no fault of my own.

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 2022-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.

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 2016-07-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.

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 2022-11-03
Company: First Technology Federal Credit Union
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am a member of First Tech credit union. I have a consumer credit card with them. 
I did a recent cash advance transaction. I wanted to know how the interest is calculated. They told my interest rates are increased. 

Last statement I received from them was on XX/XX/2022. In the statement i got on XX/XX/2022 the interest rates ( XXXX ) for purchases will be 9.750 % and then for cash advance XXXX will be 10.750 % Today, First Tech representative told that my interest rate is 11.750 % XXXX for purchases and 12.750 % for cash advance. 

I wasn't notified of the rate increase per the law XXXX Reevaluation of rate increases. 
On those grounds, shall I dispute the rate increase without formal notification? 

The representative told that the rates would be published in the statements. Since I didnt get statements for XXXX, XXXX, XXXX, XXXX of the year XXXX The institution didnt make any effort to notify the change 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 explanation
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the Credit Reporting Agency Transunion refuses to update my bankruptcy status from showing " Filing '' to a " Discharged. '' Once a bankruptcy has been successfully completed the credit report is suppose to reflect the change. So, on several occasions, I disputed my credit report on the comany 's website, via snail mail and over the telephone regarding the completion of my bankruptcy. I provided proof that the bankruptcy was discharged/completed and even instructed the company where there investigators should specifically look, when he/she/they go into the bankruptcy XXXX system to verify the completion of my case. Yet the company is the only credit reporting agency that is not satisfied with the correspondence that which I provided them. I do not understand what the problem is and at this point I believe that I am being discriminated against and my consumer protection and Civil Rights are obviously being violated. I have also been turned down from a Civil Service job opportunity because of the open/active/filing status of my bankruptcy case with this credit reporting agency. Should you need evidence of my lost job opportunity, I am willing to support this claim. This company is also interfering with my future plans of purchasing a home due to their refusal of changing my bankruptcy status. In addition, according the the benefits of what a discharged bankruptcy is suppose to provide debtors, this company is preventing me from receiving a " fresh start '' in my life. Please help me as I am exhausted, stressed and disgusted with the unprofessional, unethical. undue hardship, and discriminating behavior that the company has imposed upon me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Leased vehicle was totaled XX/XX/2022. Vehicle was fully insured with XXXX and they sent original settlement offer and explanation XX/XX/2022. I continued to make payments so that XXXX would not report negatively to credit bureau agencies and was told that the overpayment would be credited from XX/XX/XXXX. 

Kia Finance has continually caused delays in processing paperwork and failed to acknowledge when paperwork or responses were sent. XXXX made adjustment to the settlement offer in hopes of XXXX just pushing approval through and getting the lease paid off. They sent additional offers for processing on XX/XX/2022 and again on XX/XX/2022 when XXXX filed respond. We, XXXX and myself, called XXXX via three way call on at least 4 occasions during this time to inquire and resent the settlement offers as they requested. Each time we were told it would take XXXX days to process. 

Claim was finally accepted on XX/XX/2022. Payment was accepted by XXXX on XX/XX/2022. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

There was no reason or explanation given for the delay when asked. 

As of today, XX/XX/2022, XXXX has still not processed payment or closed out account. They have made a partial refund on my overpayment, but still owe me a little over {$500.00}. They have continued to report this as an open account. 

I was told it would take another 2-3 days to process.

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 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. 
Not XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
What is the point of consent order : XXXX if the credit collection agency does not have to follow it and the courts ignore it? 

I provided the order in court and the credit collection agency squashed it and the judge would not let me use it to refute the character of the credit collection agency. In fact when I asked the custodian of record was he familiar with the order he said he had never even heard of the order. And the lawyer for the credit collection agency was not concerned about the order as well. In fact he treated it like it was a peace of paper that need to be placed in the garbage. 

A judgement was issued against me based upon the invoices from the original creditor and a bill of sale that did not list my account or connect me in know shape or form to the collection agency. The bill of sale was filed 1 hour before the trial with the courts despite both sides agreeing to participate in discovery. I know you ca n't help me but I just wanted you to be aware that portfolio recovery is not following the consent order and its employees are not even aware of the consent order. 

I am attaching documents from the court case to this email to verify my concerns to you. All the records are public domain. Here is the website for the records XXXX and here is the case number XXXX. 

If you do not have the authority to make them comply please let the public know because if I knew they did n't have to comply I would have settled with them back on XXXX XXXX 2015. I looking forward to a response to my question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 2016-03-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Overlimit fee

Complaint:
XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.

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 2015-08-21
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Privacy

Complaint:
In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase bank allowed transactions on my behalf that I did not authorize, there is a current fraud case being opened on my behalf. I have tried contacting them and trying to prove my case on several checks and bill payments that I did not make.

Company response to consumer: Closed with non-monetary relief