BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.

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 2015-12-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They continue to call 20 or more times a day from XXXX different numbers. XXXX XXXX this is not the credit card company TJMAXX, there is no debt that is deliquent, but they continue to call non stop. Calls are from TJX rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
I have XXXX credit cards XXXX was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to XXXX dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CBC Companies, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.

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 2016-10-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I cosigned a private student loan for my grandson in XXXX for him to go to college. My grandson unfortunately dropped out and disappeared and I was stuck with the loan. Navient now services the loan, originally with XXXX XXXX and they have harassed me to a point where I have to take XXXX. I made my best efforts to pay until very recently I decided I could n't. Since XXXX I have applied for forebearances and/or made monthly payments. I live on fixed income, social security and a very small pension monthly. I can barely meet my necessities and have a documented budget showing my money flow. I originally was paying $ XXXX until XXXX XXXX they increased my payments to {$240.00}. I have paid this diligently until XXXX when my medical expenses have gone up and I can not afford this payment. I tried to negotiate with Navient to lower the payment but they refused. Then I gave them my to the XXXX budget on my fixed income, they told me things like, " Eat less {$200.00} for groceries is too much for a person '' ( mind you I am a senior ), they also told me, " get rid of your dog it 's too expensive '', additionally that haircuts are luxuries and most recently that they would GARNISH or TAKE my social security check. I have seen a financial counselor who assured me this is a private loan and they can not garnish my social security but Navient 's threats to me had me shaken and seriously nervous. I have since decided to stop paying the loan and sent them a cease and desist letter. Navient was robo calling me 6-8 times a day and I have it documents before the letter. The financial counselor called them with me and advised them not to call me until they received the Cease and Desist Letter. They did stop for a week. I sent the letter with a return receipt and got confirmation that Navient has received the letter. Amazingly, Navient started calling a week later, when I stated I sent a Cease and desist letter they denied they ever got it. I have my return receipt stamped by Navient stating they received it. They told me I had to email it over but I do not have email. Thankfully my financial advisor emailed it over from her email. Her contact is XXXX XXXX, from XXXX, a non-profit that is contracted by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a SAMS CLUB member over 10 years, and I just find out they sold a unpaid bill under my name to a collection angency and placed on my credit report totally out of my knowlege. This unpaid bill is for a creadit card that I have never ever received, neither a actual creadit card nor a single paper statement! Therefore I called SAMS CLUB, XXXX of their representative told me the account was closed, he can not give me any information but only a number for the Debt collector. This is insane and not a proper way to treat a royal customer. On my credit report, it shows there is just XXXX original charge of {$170.00}, and fees add to it every month, the amount had increased to {$320.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I had to get some dental work done and I got a care credit card loan amount was {$2500.00} I spent XXXX in XXXX. I had a 18 month time frame to pay it off I paid it off in my date month which was XX/XX/XXXX in care Credit statements is says that they will not charge interest if loan is paid in full in time. Well they 're trying to charge me interest and then they sold it to XXXX XXXX and I will not return my phone calls or send me anything do n't even contact me but the loan was paid in full in a 18 month timeframe I do not owe them anything and I have ALL the RECEIPTS to prove that I paid off over {$2500.00}, the exact number is. XXXX dollars was paid to XXXX BY ME. THEY 'RE CROOKS AND THEIVES ... ..SCAM ARTIST 'S. I HAVE TRIED TO SEND MY PICTURE OF MY RECEIPTS 6 DIFFERENT TIMES AND IT KICKS ME OFF .... PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.

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 2017-02-24
Company: Siggi LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am not.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 let Transunion know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2016-12-08
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was shopping inside a mall and my wallet was stolen out of my purse. Everything was inside my social security card and my non drivers license. Now that I am looking at my credit report I see this on here and I 'm confused because I 've never applied for this credit line. I want to figure out a way to dispute this charge.

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 2015-11-09
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Other

Complaint:
JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.

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 2022-01-04
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off lease account number XXXX in full to purchase a XXXX XXXX XXXX on XXXX website and I faxed over mileage odometer statement. I spoke to XXXX at Hyundai Finance XXXX on XX/XX/XXXX and she told me payment was received on XX/XX/XXXX and title should be mailed out on XX/XX/XXXX. I have since been talking with XXXX  Hyundai in XXXX where I originally leased vehicle to XXXX in Finance department XXXX regarding title that was lost in XXXX and duplicate registration fees of {$260.00} that are owed to me that paperwork was never returned to DMV before she started working at Hyundai. XXXX said she submitted application for duplicate registration fees and is about to submit title paperwork.

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 2015-12-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I am very mad due to me application for the PayPal mastercard with synchrony bank being declined due to not verifying identity when I did verify my identity SUCCESFULLY ( exact word of the customer service rep doing the verification ) With them the day I applied and now I receive a letter in the mail saying I was declined for not being able to verify identity. 

When I call now I am getting different answers and no one has any clue what I 'm talking about I have already taken a hard credit inquiry for the application and should have been approved but because they ca n't figure out how to verify my identity and have very many untrained customer service agents that will not assist. 

I have tried speaking to manager and am being told that someone messed up on the verification process but they ca n't fix there mistake so I 'm the one that has to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.

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