BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default. 
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday XX/XX/XXXX, I was at a friends house XXXX XXXX XXXX XXXX XXXX XXXX and received a notification from Cash App that I had a negative balance when oddly I deposit {$10.00} on XX/XX/XXXX. It puzzled me and I googled Cash App Customer Service. I called XXXX and spoke with someone that pretended to be Cash App Support Services. They politely explained to me what had happened, reassured me that they could handle the negative balance as well reverse the funds back into my account. He put me on hold and had requested that I downloaded an app Team Viewer Quick Support, as I was asking him questions, I asked to speak to a manager. XXXX from XXXX called me and reassured me that they would handle this situation. They told me they had to enter XXXX in the pay out as a code and It was minutes that moment I thought to myself I just got hacked. 
I checked my XXXX XXXX account and {$2300.00} was taken out my account. By this time I had been on the phone for 1-hour talking and yelling at them to fix this problem or Im call the bank. XXXX told please do not call the bank we can fix this problem. XXXX stood in her living room and said that this doesnt make any sense. They tried to involve her by requesting to transfer my {$2300.00} to her Cash App account. I called the bank on the line while they talked to XXXX. And the bank told me that someone tried to take three different withdraws, which the last one was in the amount of {$2300.00}. The bank opened up an investigation. I am filing this Police report with XXXX Police department to report someone pretended to be Cash App Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.

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 2016-08-23
Company: Mercedes Benz Financial Services
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is being generated by XXXX and XXXX except Experian. I have tried to verify my information over dedicated phone number and online portal of Experian but could not successful. 
When other two credit reporting agency are getting my credit information then which thing restrict this company to get my information? 
My expectation is that this company would come forward to resolve the issue.

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 2020-08-11
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Received mail from Target XXXX Card that my credit limit has been decreased from XXXX to XXXX due to low Credit score of XXXX which Target claimed they received from XXXX. I have the copy of the letter from Target. It was a unusually low score especially compared to XXXX XXXX XXXX XXXX I use and it got me worried that my credit file might have potentially been compromised. I have contacted XXXX and they informed me that I did not have such a low score since XXXX when I started building my credit. I called Target and today at XXXX and outside of general rudeness disinterest and disregard, I had to endure 6 transfers between departments and finally had to yell my way to close this account which I held since XXXX. I checked with the XXXX and Target did not pull my credit report on XX/XX/XXXX as per claim in their mail nor was my score that low in none of the credit score versions. In their shady letter they also write : Please do not contact XXXX about reasons marked Our Records above. But it was way to worrisome of a letter not to contact the agency and I am sure glad I did. Sending this mail and faking a credit score has caused a tremendous anxiety stress and inconvenience as well as A bitter feud with my husband who was a secondary credit card holder and whom I wrongfully accused of doing something to case my credit to drop almost 100 points. Most shameful and dishonest treatment of a customer for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke! 

The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen. 

Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them. 

I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice. 

I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad. 

I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people. 

I filed this complaint to maybe help others from being fooled by Synchrony. 

They win again, buyer beware.

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 2023-03-15
Company: GVA Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Bright lending I called to pay off loan using credit card. 
bright lending interest is 699 % company refuses to take credit card payment. 

interest rates at this amount should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BSI Financial Holdings, Inc.
State: CA
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:
BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX   and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TN
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:
The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Wells fargo failed to close accounts I had closed 15 years ago and they claim someone charged {$1000.00} worth of XXXX on a card I closed years ago, I do n't even have an XXXX, and they put this on my credit report. 
Firstly it 's a fraudulent charge I never did. Secondly that card should have been closed anyway. I have not had anything to do with WF since the bailout. Please help my get them out of my life Completely.

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 2020-08-11
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has XXXX XXXX XXXX  on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but XXXX has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXXXXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, synchrony bank does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.

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