BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Guidance Alum LLC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contatcted by a company called Guidance Alum. They were calling me up to 3 times per day, even after I asked to be removed from their list, and I am on the national do not call list. I finally gave in and listened to what they had to say. They informed me that I qualified for student loan forgiveness through the CARES Act. I work at the post office so I knew I qualified for PSLF, which made everything sound legitimate. They took {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, and {$49.00} on XX/XX/XXXX. I was told the initial {$200.00} installments were to set up the program and get me enrolled. Then told that the $ XXXX would go to my student loans and be qualifying payments for the student loan forgiveness program, in which they were supposed to enroll me. I found out today, they were taking this money as a " fee '' for their service, and I have never been enrolled in the forgiveness program. None of the money I paid went toward my student loans, and they did agree to refund me the 3 - {$49.00} payments. They did not offer to refund the other {$200.00} payments. They signed me up for this program by providing false information I verified with them 3-5 times during the phone call, and they still insist they were not in the wrong. I contacted my actual student loan servicer and they advised me I had been scammed, and the services they claimed to provide were never put into action with my servicer, other than consolidating my student loans. I'm out this money, and if I could fall for this scam, having worked in finance part of my life and being of sound mind, I know others have probably fallen for it as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi cards continues, each month, to charge more and more interest and late fees for a fraudulent original amount of {$270.00}. 
I have made numerous attempts to resolve this, yet they demand payment of this fraudulent charge of {$270.00} us all the fees that grow each month. I will not pay, and I shouldn't be put in this position. I immediately alerted them that a scam artist charged me {$270.00} as I thought I was paying for my XXXX  license. Instead, I was told the fee was to pay for an EIN number, which of course I already knew i could obtain for free via the irs website. Please help me, as Citi cards will not listen. I even disputed the charge, explained what happened, yet they take the side of the scam artist.

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 2017-05-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello I have been paying the credit card off from {$1500.00} to {$1000.00}. I received a statement that I owed another {$1500.00}. The are stating that I have interest on the card. Please see statement showing for 2015 YEAR TO DATE - total interest charged  XXXX  different amounts, {$27.00}, {$400.00}, {$19.00}.     When I cotacted the credit card company Care Credit owned  by Sychrony B ank, they told me to get another credit card and transfer the money I owe of {$1000.00}. That they would give me another 30 days to do that. In the meantime, they had already added {$500.00} dollars to the account. When I tried to get another credit card with  XXXX  they told me I owed too much money on Care Credit card that I was up to my lim it! Sychrony Bank lie d and they add whatever they want to the account. I 'm afraid they will keep doing this!

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 2016-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off the balance on my tjxrewards card and also have it on autopay. Your confirmation says that it will take 48 hours to reflect on your account. In five days it still did not show and my available balance did not change. I called and they said because it was an unusual payments I would have to wait 5 more days. So you get penalized for paying your bill & website confirmation is a lie it may take 10days for a payment to show. I paid from my regular bank account that I have had for years

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 2022-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had problems using a debit card issued by Citizen 's ( after it's taken over XXXX ). I have money in my account, but my transactions are being declined. 

Customer service is off-shored and the wait times are hideous. ( This is a matter of public record per Citizen 's online customer ratings. ) Whatever has happened -- or isn't happening -- has caused innumerable issues in innumerable lives. And, of course, this is in the context of people frayed and fraught after two years of COVID and its collateral damages. 

How can a bank be so impersonal, cold and calculating, power-hungry and greedy right out of the gate? 

It seems downright evil. ( I don't use that word lightly. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SYNCHRONY FINANCIAL
State: GA
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 XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-01-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
My complaint is with Synchrony Financial. My payment due date is the XXXX of each month. During XXXX, I made a payment on XXXX XXXX, for my XXXX XXXX payment and I made another payment on XXXX XXXX for my XXXX XXXX due date payment. I went online to pay my XXXX XXXX payment and Synchrony had charged me a {$25.00} late fee. I called and they did not want to take off the late fee because they said that my payment was late for XXXX because I did not make a payment until XXXX XXXX. So, if I had not pressed they would have pushed me to pay them the late fee. This is not right. I was not XXXX of your creditors that only pays the minimum. My payment were XXXX the minimum payment. 
This should be illegal. They would have continued and increased my principal amount with the late fee if I had not pushed for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company they say they are collectors from The Cash Store. But they are demanding money when they call and it can't be made after the phone call. Then they want to send to court house so they can have a warrant issued for me. But when I ask to make arrangements they refuse to send me paperwork by mail, they sent an email that said who I owed and that was it. 
They are calling people we don't even associate with. Plus family members we don't talk too. I have never out a family.member down as a reference. 
My husband is XXXX and when they call him it makes him go into a XXXX XXXX with the threats. Yesterday they demanded money before we hung up. I told them I had no idea who they was but they said they was legit but I'm not sending them money. 
Please have them stop calling us and other folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Account was opened XX/XX/2017 only missed 1 payment due to job loss spoke with them I tried to make a payment arrangement they refused to work with me after 1 missed payment they repossessed my car then sold it and put a balance of {$3500.00} on my credit after the account was already closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am behind on my Care Credit Synchrony Bank payments, I have explained this to representatives of the Bank by phone and also by e-mail last week that I and my wife are both Senior Citizens and both on Social Security and a fixed income. I had the company take {$230.00} from our checking account on XXXX XXXX, 2016, and told them I would send more money at the end of the month, when we have additional checks coming. But this was not enough, they are threatening to send the account to a collection agency and they call and leave messages several times a day. I am XXXX years old, and this is very upsetting, but it does not seem to matter to these people. They have a couple of addresses, XXXX is Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida, XXXX, and another XXXX is somewhere in Utah, where the phone calls come from. Thank You, XXXX XXXX. XXXX, XXXX, Pa.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: IL
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 had an issue with XXXX which fraudulently set up a loan to pay for termite extermination. Had gone through the XXXX where finally the representative from XXXX stated that the debt was forgiven because the contract for the loan was not signed by the XXXX representative and myself. Experian will not remove this from my credit report but simply states that the loan was paid off but there are two late payment registered against my credit. I have submitted the XXXX report but experian still wants to reflect that I took out the loan that i did not pay the loan for two months and that I paid off the loan. I did not have a loan i did not receive any service from XXXX and I believe that this was a fraud from the beginning whereas the local XXXX in XXXX IL was trying to take advantage of a senior citizen

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 2021-11-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I like to file a complaint against this collection agency for trying to collect a fraudulent debt that does not belong to me. This collection debt is listed on my credit report and this company continuously report this debt, even after I have filed a dispute with the credit bureaus about this. I have attached an Identity Theft Report with this complaint. I have never had or applied for service with XXXX with whom is listed by the collection company upon my credit report. I want this fraudulent collection removed from my credit report immediately. I am a litigious consumer. Under Federal Statue and specific remedies include : The Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), and 1692f ( 1 ) imposing liability on third party debt collectors and debt buyers for reporting false credit information and collecting amounts not agreed to by the consumer.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Fraudulent inquiries on my report, wrong names, addresses, and 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and Transunion are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX 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 2016-09-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've had an item on my credit bureau investigated twice now for a cc that is showing up but not mine. They cc company refuses to give me any information regarding the account but claims it to be mine. I 've never made one of the payments showing up and they wo n't verify to me where the statements are being mailed or where the payments arecoming from. How are they aloud to do this. Its on my report, has not been removed but I ca n't have any information regarding the 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 explanation
Consumer complaint received 2015-12-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have submitted a cease and desist letter to Synchrony Bank by certified mail and received a signed receipt back dated XXXX XXXX, 2015. I have XXXX accounts with them and the letter included all accounts. Synchrony continues to call me several times a day to demand payment. I have blocked the number but the phone still rings to alert me to the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: ND
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan from XXXX XXXX, through Synchronicity Bank. It was supposed to be no interest and no payments for 6 months. They incorrectly reported it late on my credit. They said they would remove it, but it 's still not off and is causing me issues.

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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Monday, XX/XX/2022, I spent over an hour researching a vacation flight for my family of XXXX. I found one which met our needs. And I completed the airlines lengthy form with our names, birthdates, seat selections, etc. 

When I put my debit card information into the system CHASE DECLINED THE PURCHASE. THEY HAD NO REASON NOR RIGHT TO DO SO! There were funds in my account to cover the flight costs. I have not had any fraud associated with my account. It was an arbitrary and unnecessary act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, XXXX charges appeared on my synchrony bank banana republic card in the amounts of {$190.00} and {$200.00} from PayPalXXXX. I filed a dispute w/cc company, they dismissed XXXX charge but not the other. I have never heard of raise.com, you will not find any other charges on my cc card from this place, during my cardholdership!!! Why dismiss XXXX and not the other, makes no sense!!! This cc company has terrible customer service! Do not get a GAP brand card!!!

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 2016-07-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
My identity was stolen. I learned this from a credit monitoring service which informed me of XXXX requests for credit reports in the past few days. I did not initiate these loan requests. XXXX of the requests for a credit report was from Synchrony Bank, which provides credit cards for various retail companies ( i.e., The Gap, JC Penny, etc ). When I tried to talk with Synchrony to dispute this, and to alert them that it was fraud, they could not help me because I did not know which credit card was involved. I explained that I could not possibly know, since the request did not come from me and was fraudulent. The credit reporting company, XXXX, only has that the request came from Synchrony Bank. I have tried several times today to explain this to Synchrony but they say there is nothing they can do. They did put me in touch with " customer service '' but that is only an automated service that requires me to input my credit card number, which of course I do not have. This is ridiculous and is unfair to me -- I am the victim here. I just want to alert them and protect my credit rating. Any help you can give is greatly appreciated. I am writing this at the suggestion of the Maryland Office of the 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 2016-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I am disputing a 30 day late on my XXXX credit report. I have a issue with XXXX late payment in XXXX which was a little bit after I moved from XXXX XXXX XXXX XXXX Ga XXXX to XXXX GA XXXX and also thought this was setup on automatic payments do to previous manual payments and asking to be setup on auto billing. I was unaware of any notices sent to my previous address saying that my payment was going to be late or any need of a payment due. Please remove this late payment off all credit bureaus. 

I really appreciate your assistance

Company response to consumer: Closed with non-monetary relief