BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries i never did inquiries with these companies XXXX XXXX  inquiry date XX/XX/2020, and XX/XX/2020 XXXX XXXX  inquiry date XX/XX/2020 These inquiries are fraudulent I sent XXXX  proof of police report that I'm a victim of identity theft these inquiries are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.

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 2016-02-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX I was going to use my card and it was declined so I called Customer Service and they informed me there were suspicious transactions so they placed a hold on my account, which I appreciated greatly. They went through my recent transactions with me over the phone and I identified XXXX purchases that were not mine. They canceled my card and informed me that it would take 90 days for the fraud investigation to be conducted and the unauthorized purchases would remain on my account until after investigation. I asked if I could do anything to assist and they said they would contact me if they had any questions. I received my new card and new account number shortly after and then called again in XXXX XXXX to check the status. The representative said it was never filed yet she knew exactly which transactions were in question. So-they had the information, sent a new card, and never sent it to the fraud department??? The representative was unable to tell me what happened, she just kept apologizing and said it 'd take 90 days from that day. I called again in XXXX to make sure investigation was happening and the representative said that it was in the fraud department. I also requested a copy of my XXXX XXXX, XXXX XXXX, and XXXX XXXX statements since online banking does n't allow the consumer to view transactions further back. I still have not heard anything about the investigation and have not received those requested statements and it is now almost XXXX. The whole time over {$900.00} in unauthorized charges have been on my account, accruing interest fees and I still have no information from them. This is unacceptable.

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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans union had a computer breach in their system between XX/XX/2017 nd XX/XX/2017 that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result. This computer glitch which caused all of the collection accounts on my credit report to be deleted, and my credit score increased. The very next week all of the accounts were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XX/XX/2017 but they refuse to fix their error in my credit report. I am requesting that the reinserted collection accounts be permanently removed from my credit file. I demand the following collection accounts be removed immediately. XXXX XXXX XXXX act # XXXX in the amount of {$84.00}, XXXX XXXX acct # XXXX in the amount of {$510.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$610.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$890.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$860.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$780.00}.

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 explanation
Consumer complaint received 2021-01-20
Company: Terrill Outsourcing Group
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls showing as Toll Free Call XXXX in caller ID. When I do not answer they leave a message. The latest message said, " We have a message from Superlative RM. This is a call from a debt collector. Please call us at XXXX in reference ****. '' Previous messages have been similar. 

I have no debt in collection that I am aware of. I suspect this is a scam call to attempt to collect personal data.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: WI
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:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

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 2016-10-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have an excellent credit history, I am a home builder and buy numerous homes at local auctions, fix them up and flip them. I depend on my credit for business and my credit score typically runs between XXXX-XXXX. A few days ago my credit took an incredible drop due directly to a Synchrony BP card in my name ( SYNCB Bank ) that reported inaccurate information to my credit reports. It is a card I rarely use and paid off months ago. 
After researching I found out that somehow my statements where changed from being mailed to me to online only. I NEVER have online delivery of my statements and believe this could have been inappropriately initiated by Synchrony BP Card. As a result a small balance, which I am not sure is mine of {$360.00} went 40 days late. Synchrony bank never sent me updates, reminder, statements, phoned or in anyway attempted to contact me. My credit score on XX/XX/2016 was XXXX. On XX/XX/2016 after XXXX reported I was late, my score dropped to XXXX. ( See attached documents ) I contacted SYNCB bank on XX/XX/XXXX, disputed the late charge, requested an investigation and demanded the late payment be removed from credit reports immediately until the investigation is completed and then updated accordingly. I have also filed the appropriate disputes with XXXX, XXXX, and XXXX. I do not have faith SYNCB will conduct a proper investigation and follow federal policy by removing the late payment status until the investigation is completed. Additionally, as a result my Auto insurance was just raised by {$180.00} a month die to my XXXX score

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 2017-01-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I owe money on my Sam 's Synchrony Bank Mastercard. I am in a debt management plan with XXXX to help make the payments. I constantly am receiving phone calls at abnormal hours of the week, such as on the weekends and at night time claiming to be collection calls, but then when we pick up the phone, no one answers. So, someone there is stalking us via the telephone.

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 2015-05-19
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage service co Ditech hired a company to break into my residence and change the locks while the home was in the foreclosure process.. The home was not listed for sale. The company continued to harass me with threatening phone calls. 
In XXXX I agreed to a modification program. The agreement signed stated the first payment was due XX/XX/XXXX. If the next 3 payments were made on time, the modification would be permanent.. The next 5 payments were made on time, I also applied for the hamp program only to say they are reviewing. it. This went on for 5 months. XXXX then sold my mortgage and is now being serviced by XXXX. I have been in contact with them, and they state they are awaiting the paperwork from Ditech. I have made my payments with shellpoint on time. They state that they do no even participate in the HAMP program. 
XXXX failed to its guarantee to have new company honor previous agreements. I want to have the issue resolved with my current modification and for them to honor it. I would like also for them to honor the HAMP process before it was sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX SYNCB/Lowes # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX RE : Credit Dispute Resolution from XXXX Credit Report Dear Sir/Madame : My name is XXXX XXXX . XX/XX/XXXX my credit report shows 30 to 60 to 120 days late on a charge of less than {$100.00}. The Lowes Credit is always good paid full. I bought a washer and dryer totaling over {$1900.00} from Lowes ; paid it in full with no problem. 
It appears a charge was put to me in XXXX XXXX for less than {$100.00}. I would never let such a small amount of money ruin my credit, as it has. 
I did not make this charge. No matter, I will pay it now to save my credit. 
As this negative information is preventing me from gainful employment I would like to request that it be removed from my XXXX credit bureau reports. 
Please contact me. 
Humbly Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2015-07-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: USA DISCOUNTERS LTD
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Recently acquired information pertaining to USA Discounters utilizing unlawful practice with loans. I had a XXXX loan with this company in which I have paid off over a 4 year time span. It is to my understanding that USA Discounters are to provide full restitution for the time period of my loan. I also was XXXX for a year of my loan and also was not granted the decrease of percentage. I have attached the article for reference. 

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 explanation
Consumer complaint received 2015-09-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Other

Complaint:
received an email stating I owed XXXX on credit card, This is incorrect. Called credit card Paypal MC and they continued to tell me I owed XXXX. I spoke to a supervisor who said I had only made XXXX payments since XXXX 2015 which is incorrect. When I asked why they hadnt contacted me he said they called XXXX times. I did not receive any messages from them on my cell. Supervisor said " I should have recognized the number ''. I asked why should I recognize the number. Everyone receives spam calls on cell phones. I respond, at XXXX suggestion, only to calls that are known to me. After an hour of talking we still were no where about this problem. Finally I asked if had been reported to credit bureau, he said yes. I said I was told by a rep last week it was only after 60 days I would be reported. After XXXX minutes of trying to discuss this, he finally agreed I was correct. He was very hard to deal with and we got no where regarding the XXXX payment due. I told him many times it was incorrect. After XXXX hr of this difficult conversation and with no resolution, I had to get off phone to go to work. Paypal Master Card is operated by Synchrony Bank. They have been extremely difficult to deal with since opening the acct XXXX 2015. They incorrectly contacted the credit bureau with a derogatory statement, which after many calls from me then, they finally agreed to correct. If I had not called and insisted, they would not have done it. They also removed XXXX late fees charged for their mistakes. Now they are doing it again. The bank is very questionable in their dealings with me. They are trying to charge me more money than they should and at the same time demanding I 'know '' their phone number when they call sporadically any hour of the day and leave no message. This company is harassing me in regards to this credit card. I have made no late payments anywhere on any acct for the last 15 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: GreenSky, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
GreenSky was used to purchase my windows through XXXX XXXX in XXXX of XXXX. My minimum payment was XXXX a month. I made sure to pay XXXX a month on an auto pay. I recently received a late notice and a late fee attached to my account, XX/XX/XXXX. My minimum payment went from XXXX to XXXX and there is nothing I can see that changed with my account. I first noticed when XXXX XXXX said I had a new account and it was GreenSky. I was paying over the minimum and making my payments early. I contacted their customer service and they left me on hold. I sent them an email and I received an automated response about interest rates and payments. Is it legal to just add fees to accounts? I now owe over what I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
As a XXXX user we answered a promotion for Visa thru Barclays Bank to create additional reward points by using their Visa. We were to received XXXX points once we spent {$1000.00} using the Barclays XXXX Visa. We did. We could see the points on the statement. They have since disappeared. XXXX, the points created monthly have not been transferred to the Choice Privilege Acc't. 
The promo, also, promised XXXX points on the anniversary date of the XXXX card. We fear that wo n't happen. 
Tried to use the customer support for both XXXX Hotels and Barclays Bank. They just point fingers back to each other.

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 2017-01-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive 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 2015-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been totally hassled by the Gap Card credit card company 's Synchrony Bank. They called LITERALLY XXXX times, beginning at XXXX ON A SATURDAY, and then the calls continued throughout the week. They were instructed not to call back, and that payment was going to be made as soon as possible. I was barely late on XXXX payment, quickly got the account current directly thereafter, not even showing that I was late online. THEY STILL KEPT CALLING. Then, they called AFTER I made a payment, asking for a confirmation number for the payment THEY COULD SEE. Total harrassment. A total of XXXX calls from them IN LESS THAN ONE WEEK.

Company response to consumer: Closed with monetary relief