BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XX/XX/XXXX 
XX/XX/XXXX 
XXXX. 
XX/XX/XXXXXX/XX/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 2020-12-29
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we do not have an account with XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Citi AA card because of the promotional offer and because the advertising said that I could use the card immediately if approved. My card was approved but they wouldnt provide me with the temporary card number to book a flight. I called Citi and they said I have to wait 2 weeks for the card, by which time the flight price will have increased. This was clearly false advertising.

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 2016-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it 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 monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I made two payments XX/XX/XXXX to the TJX Rewards Mastercard. The account is closed and I do not use the card, I just want to pay it off. One payment was made on or before the due date of XX/XX/2016. The other payment was made on XX/XX/2016 to pay XX/XX/2016 payments. I paid at that time because I had the money and because if I wait to pay from XX/XX/XXXX 's first paycheck, I run short due to rent. XX/XX/XXXX they started calling me telling me I did not pay XXXX 's payment. I explained to them that I did XX/XX/XXXX. The payment made XX/XX/XXXX was for XX/XX/XXXX. I have had three telephone conversations with them ( heated ). They led me to believe they would credit the payment for XX/XX/XXXX and refunded the late fee for XX/XX/XXXX. However they have still not properly credited the payment and I continue to receive harassing phone calls from their collections department. By refunded the late fee, they have admitted there error as far as I am concerned, but the harassing phone calls continue. I received 3 already today before XXXX ET. I do not answer, but I know it is them because the numbers are unknown. They agreed on the phone to properly credit the payment and the late fee. They have not properly credited the payment. As a result of their refusal to properly credit the payment, I will incur a late fee each month because they are considering me a month behind. I paid for the month they are disputing. I am not going to pay them again.

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 2015-04-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing statement

Complaint:
I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Remitly, Inc.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Conn's, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. 

This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.

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 2015-04-07
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with Credit Acceptance. I paid off the loan in full in the amount of around {$3000.00} back in XXXX of XXXX regards to a settlement offer. They are still reporting me as over 180 days plus late on my credit. I need this inaccurate information removed from all 3 credit bureaus. I have receipts showing that this account has been paid in full.

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 2017-03-11
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has not applied all payments to my debt, I sent information and copies of my bank statement showing payments had not been credited to my account so I stopped paying and they turned it over to a collection agency. I have sent other info to collection agency twice and have n't heard from them for a few months. They need to apply my payments and stop sending wrong information to collection agency.My credit is not very good and this makes it even harder when they refuse to correct there mistakes..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
G.E. Retail Bank place in collections # XXXX an amount that was already settled. See attached documents. Sloppy and erroneous credit reporting prevented me from obtainingthe credit score needed to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Delbert Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a voice mail from " investigator '' threatening me with sending sheriff to arrest and process me. He said he was sending sheriff to my job and/or home. I called number provided and agent said that they had called, sent emails and sent letters. I have not received them. I only received call today, XXXX XX/XX/2015. I live in XXXX and they said that there was n't anything I could do to stop XXXX from arresting me. I asked for date and place so that I could appear and face judge and he said no, I have to wait to be processed by XXXX 's office. They said they submitted paperwork in XXXX XXXX XXXX XXXX. They gave me docket # XXXX. Investigator called from XXXX and instructed me to call XXXX. I called a XXXX time and asked for address, they said XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Illinois.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX in XXXXXXXX XXXX is notorious for coming up with charges years after medical service ( my daughter has received bills XXXX years after she has been there and my husband just received notice he has a credit from XXXX years ago ). I have not been to this hospital since XX/XX/XXXX. They turned my balance over to Credit Systems International and a derogatory mark was made on my credit report on XX/XX/XXXX. I have not received any other bills from XXXX XXXX except for a worker 's compensation claim and that was taken care of. On XX/XX/XXXX I received a collection letter from Credit Systems International in the amount of {$71.00}, and I discovered another derogatory mark was made to my credit report on XX/XX/XXXX, XXXX days before I even received the collection letter. If my balance with XXXX XXXX was reported on my credit report in XXXX, and I haven't been to that XXXX since XX/XX/XXXX except for the worker 's comp claim last year, then how do I owe them anything? And how can a derogatory remark be made on my credit report days before I was even aware of the so-called charges?

Company response to consumer: Closed with explanation