BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I enrolled in autopay for Belk Credit Card. I received confirmation of enrollment in program via email. When bill was due they charged an interest fee and late fee and did not make authorized payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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:
This is my other XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on time.

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 2016-11-10
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! 

I have never received a statement from Conns. I have never received a payment book. 

Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. 

Please fix my credit report because of your errors in the payment process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: SYNCHRONY FINANCIAL
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about it.

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 2015-08-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Barclays credit card went missing, I explained this many times on the phone and sent many faxes they requested and in the end they now stick me with the bill. I did n't buy anything and I 've never heard of most of those places. I talked to some arrogant guy on the phone and he said they had me recorded saying it was n't fraudulent charges a tthat time, but that caller was n't me. 

Anyway I did n't make any charges on my Barclays Mastercard since XXXX XXXX, and I 'm billed something like {$6000.00} I will of course never pay and I get bad credit because of the incompetence of Barclays.

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 2016-01-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: Conn's, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. 

I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. 

I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. 

I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Questions It states THERE DECISION was based in part on a credit scoring system that was used to evaluate my application the reason where I did not score well compared with other applicants have been determined and are listed below insufficient credit history on file so my question is is it legal or is it fair that they are evaluating or trying to generate score a credit scoring system based on they are comparing me with other applicants in order to create this credit score I do n't think it 's fair that they want to compare mine my personal information or evaluate me if I am up to par and compare that with other applicants and that 's how they determined second question it also States some information used to make this decision was obtained by the credit reporting agency it did not make this credit decision and is unable to provide you with the XXXX reasons of our 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 explanation
Consumer complaint received 2015-12-04
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.

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 2015-06-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing sent me a letter stating that they are collecting for Galaxy Asset Purchasing on a XXXX XXXX account I never had. They claim they are willing to settle for XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: First Choice Assets LLC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.

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 2015-10-13
Company: Hatfield Portfolio Group LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX XXXX from Hatfield Portfolio Group from phone # XXXX called me on XX/XX/XXXX and asked for a XXXX XXXX. I told XXXX XXXX that XXXX XXXX is my ex-husband, our divorce was final XX/XX/XXXX. I gave XXXX XXXX XXXX 's current address and phone numbers and told him his new wife 's name. XXXX XXXX said he appreciated the information and said he would remove my name and number from his paperwork. Again today, XX/XX/XXXX XXXX XXXX again called my phone number and left a voice mail message asking for XXXX XXXX. I called back and got his voice mail. I left a message reminding him of our conversation a few days prior and that he was to not call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Paypal Holdings, Inc
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: Pathfinder Credit Services
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
They agreed to allow my son to make his XXXX payment on XXXX XXXX, 2015. They did not notate the account to reflect this agreement and refused to honor it. They have routinely misrepresented their employees actions and the employees are lying about all contacts with us. He has given them permission to take automatic payments and the company is not taking them. I am receiving letters from the company stating the payments are not being made. I am feeling threatened and harassed by these letters. My son is making every attempt to make these loan payments. This company is not ethical in any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.

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 2016-09-12
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation