BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX Convergent Outsourcing contact me regarding a XXXX XXXX account with an outstanding balance of {$1400.00} I told them is not my account. They told me to contact XXXX XXXX XXXX Department and file a claim. I file an identity theft report with my local authorities ( XXXX Police Department ) they also direct me to freeze my credit and file a report with federal trade commission. I file a claim with XXXX XXXX summit all my documents required. They have not reach out to me. I call the fraud department and they direct to talk with the collection agency ( Convergent ) they report this to all the credit agencies. My credit has been damaged significantly. I open a dispute with the credit agencies and XXXX is refusing to erase this out of my credit. I am following everything by the law and dont understand why XXXX XXXX not helping went this was not my account and never order nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17
Company: Mercedes Benz Financial Services
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. 
However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022. I switched cellular phone services from XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX to close my account and they said that I have to called back at the end of the billing cycle because at this time still have several days left to close the billing cycle. I called back by the end of XX/XX/2022 to reminded them to cancel my account and they asked why I was leaving them, and I said because I already have another provider. 
After 2-3 months later I started receiving these bills from XXXX alleging that I have to pay them, and I told them that I have not used their service since XXXX when I switched providers. I even request to send me proof that I was using their services. I said send me a detail bill of my cellular use with you including where I have been calling or texting. They never sent a detailed bill. But they kept send more bills until I received a letter from a Collection agency, and I wrote a letter to the collection agency asking for an explanation of the bill with details of usage, but I never received anything. And now on XX/XX/2022, they reported a FRAUD on my credit rating, and my credit score drop significantly. I want this to be removed from my credit score as soon as possible! I have a very good and clean credit score, and don't want to have ruined for this senseless charged!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/15 I was charged with a high balance of {$1900.00} From XXXX XXXX XXXX XXXX, which was last reported on XXXX/XXXX/15. And on XXXX/XXXX/15 I was charged with a high balance of {$840.00} from XXXX, which was last reported on XXXX/XXXX/15. I 've never been affiliated with either creditor. These do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2015-09-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
This concerns AT & T Universal credit card, which is a Citibank product. I have had an account for years with them. I pay my credit card by accessing their website and scheduling a payment to be deducted from my bank account, after I receive my statement. I annotate my ( electronic ) checkbook register as to the date I schedule the payment, which is shown in the register to be paid on the due date. My payment history shows a late payment here and there over the last five years. It also shows that the allegedly late payment is made immediately upon notice the payment is late. I have been perplexed by this as I am vigilant about credit card payments and do NOT have this issue with the numerous other credit card vendors with whom I do business. Based on this week 's recurrence, I now believe that Citibank deliberately but randomly fails to pull the scheduled payment to support its decision to maintain a default interest rate on the account. Up until today, I had not had a defaulted payment in a year and a half. I have been demanding a reduction in the interest rate ( it sat at 28.99 % after ONE day-late payment in 2012 for months, and has failed to drop below 25.74 % since then. I will upload the complaint I filed THIS WEEK with Citibank before this latest stunt. I can not help but believe they are doing this to consumers everywhere, as it is very hard to catch them at it. I have been blaming myself for inattentiveness for years but am now convinced that they have a deliberate policy in place. Also attached is a snapshot of my chat with them this morning. After my last comment, I received absolutely no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Late fee

Complaint:
The week of XXXX XXXX, 2016 I made a call to CitiCard Customer Service to proactively call and let them know my credit card payment was going to be late for the month of XXXX because I had transitioned into a new job and was waiting for my first paycheck. I requested for the customer service rep. to provide assistance with a forbearance, due date change, or forgiveness due to my situation. The customer service rep. assured me that I would have nothing to worry about, thanked me for my due diligence of calling in to let them know my payment was going to be late and that if I were to receive a late charge I should call back in to request for the XXXX late charge to be removed. This evening, XXXX XXXX, I called to request for my XXXX late charge to be removed, explained my hardship again and explained I will not be late going forward and I was told that my payment was late due to my own error and not a bank related error they would not be able to assist me. I find this unbelievable that a company would treat their customer in this way. I could have just avoided them for a couple of weeks until the payment was withdrawn from my account, but I did n't. I gave them notice that I was having a small and temporary hardship and I feel like they took advantage of me. They basically assured me that my account would be okay and mislead me to get me off the phone and on to the next customer call. Due to this, knowing the risk involved I closed my account immediately further damaging my credit, all because this bank wanted to take advantage of my situation. The sad thing is I know I am probably not the only person who tried to do the right thing and be proactive, but for what?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Lending Club Corp
State: HI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call. 

Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help. 

From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 've been calling them for over a week to get information on my application status. They 're customer service department is rude and unprofessional. I had to have my issues taken all the way to the top level of customer service and no real effort to try to keep a dissatisfied customer happy was made. I was highly referred to Citibank by a longtime customer. I have n't asked for any type of monetary compensation for the hours I 've spent on the phone with them, nor am I looking for any. I 've asked for my account to be closed in a timely manner and my deposit to be refunded in a timely manner or my card to be overnighted. They were unwilling to fill either request.

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 2015-08-25
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: PNC Bank N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a grandfathered fixed rate card who I established with National City back in XXXX. My rate by PNC was just increased and they said it was due to the prime rate increase and would not listen to me that I had a fixed rate card. PNC is actively engaging in consumer fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Synergetic Communication Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are threatening my credit report for aged debt. When in fact that account fell off my credit report XXXX + years ago. 
They are making threats they can not legally enforce. This is considered harassment and the company broke the law.

Company response to consumer: Closed with explanation