BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
Refinanced some outstanding debt with a home equity loan. One of the debts was a charge account with Lowe 's through Synchrony Bank. My bank sent out a cashier 's check ( number XXXX ) in the amount of {$2700.00} on XXXX XXXX, 2016 and the bank placed a stop payment on the check because Synchrony had not yet received it as of XXXX XXXX, 2016. A second cashier 's check ( number XXXX ) for the same amount was mailed on XXXX XXXX, 2016 and cleared my bank on XXXX XXXX, 2016. This check should have paid off the charge account balance as of the date of the Home Equity, yet Lowe's/Synchrony is claiming to have never received the second check. While at my bank on XXXX XXXX, 2016, Synchrony was contacted and we were told that there would be a resolution within 10-14 business days ; we faxed the representative proof showing that the second cashier 's check had cleared my bank. She confirmed that she received the fax. I have also contacted Synchrony on my own several times and been given the run-around. Not only am I not able to get this cleared up, they are also charging me late fees and most likely reporting my payments as being late. One last comment, after several attempts to correct the spelling of my name on the Lowe 's / Synchrony account they still have it spelled wrong. Although my name is incorrect, the bank put my charge account number on the cashier 's check.

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 2015-10-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter dated XX/XX/2019 from Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX, Consumer Support Services The letter dated on XX/XX/2019 indicated that Midland Credit Management , Inc., ( MCM ) was sold the debt from XXXX XXXX, and would be collecting {$3600.00} on a so-called account that ended in XXXX addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX WI XXXX. 

Following this letter, I received repeated phone calls from so-called representatives of MGM wanting to collect on this amount. I informed them that the account ending in XXXX was not a legitimate account associated with my name, and that there simply was no account or credit card number that I had ever possessed that ended in XXXX. I had requested multiple times for MCM to send documentation to prove that this account was associated to me, authorized by me, etc., and what this so-called debt consisted of pertaining to whatever items, dates of purchase, etc. 

Despite these repeated requests, nothing was ever provided, and on one call with an account supervisor who inquired if I had been in Texas during the past two years, and finding out that I wasn't, he said it certainly appeared to be a part of fraudulent claims, and that he would clear up this matter on his end and send written confirmation that I was no longer liable for any of the so-called stated charges. 

Following my documentation and sending MCM a letter to this effect, they said that they would review, but after a short period of time, sent a letter requesting that I submit to them a copy of a police report, notarized fraud affidavit, or a completed FTC fraud affidavit. The problem is, there is no evidence of identity theft or fraud that they provided, as no billing was ever sent and received by me regarding this amount, nor did I ever have an authorized account that ended in XXXX, so how could a claim be filed, except against MCM for attempting to collect on a debt not associated with me. Further, on XX/XX/2019, MCM sent a copy of a letter dated XX/XX/2019 from XXXX XXXX  showing that the XXXX XXXX in question resided at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, and the letter to this XXXX XXXX was to inform him that this account was sold to MCM on XX/XX/2019, and that this XXXX XXXX should contact MCM at a XXXX XXXX address and phone number. 

This obviously relates to another individual that may have the same first and last name. How this all then got referenced to me, who resides in XXXX XXXX, WI is such a flagrant and obvious notification that this does NOT pertain to me. What has MCM done ... contact every XXXX XXXX in the nation attempting collect for the XXXX XXXX that resided in XXXX, TX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.

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 2020-03-19
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I requested {$490.00} from my daughter via XXXX, she currently banks with XXXX and I bank with CitiBank. She received the XXXX request via email. The email stated I requested {$490.00} and to complete by clicking the link. She proceeded to click on the link within the email to complete the transaction. This was my first transaction using XXXX, my daughter has used XXXX in the past with no issue. A few minutes pass and I had not received any email notification regarding confirmation for the transfer of {$490.00}. I contact CitiBank and go to my local branch to see what the issue was. The teller at the branch confirmed someone had access to my XXXX account and used their account info. Also confirmed that it went into a mans account. The teller then proceeded to explain that there is nothing she can do and XXXX is a third party & to contact 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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX  XXXX sad help me please 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 2017-03-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is correct.

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 2023-04-06
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to call collections to see when the account started and what items where purchase and wanted to know the agreement and if it was purchased online or in store because I didnt make the purchase but my info was used they couldnt provide me that info all they could do is offer me a reduced price to pay since my info was used but couldnt give me valid info i needed to find out who and what was purchased!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ECSI, a collection agency, reached out to me on behalf of an old debt to my XXXX XXXX XXXX In XX/XX/XXXX, I paid ECSI {$980.00}. The rep at the end of the call told me my account was paid in full and I would receive a letter in the mail stating as much. The letter I received from ECSI dated XX/XX/XXXX now has a past due balance of {$130.00}. I called ECSI at XXXX and they said I now owe a balance of {$250.00}. I do not understand how it is possible I owe additional money when I was told by their representative the balance had been paid in full in XXXX. I do not understand at all what they are even charging me for. I requested an itemized statement which I have not yet received. The ECSI rep indicated itemized statements could be obtained on their website at heartland.ecsi.net, however, I am unable to access. I graduated  from XXXX XXXX  in XXXX and have taken proper steps to remedy this debt, however, this company is trying to scam me out of even more money with no explanation! I would like for this company to provide an itemized statement, an explanation for how I was given a wrong total amount due in XXXX, and/or forgive the remaining balance down to zero. I would also like to note this company 's practices seem unethical as they do not make it clear they are a debt collection agency as required by the FDCPA. The representative insisted she was " XXXX XXXX '' even though XXXX XXXX verified they are a third party collection agency. They also sent a letter on XXXX XXXX XXXX letter head, which again, seems fishy. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.

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 2019-02-05
Company: DISCOVER BANK
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX, consumer and natural person am writing to notify you to stop all illegal and/or negative activities in association with but not limited to : my credit card, my name, and my vehicle. It has come to my attention that WELLS FARGO has violated me the consumer who is protected by federal and state law, by using my credit card without authorization illegally and producing a false promissory note with a forged signature. I WAS NEVER PRESENT AT XXXX XXXX ON XX/XX/XXXX TO SIGN THE CONTRACT THAT WELLS FARGO PROVIDED TO ME, NOR DID I GIVE CONSENT TO ENTER INTO THAT CONTRACT, AND THE SIGNATURE ON THE CONTRACT THAT WELLS FARGO SENT TO ME BY EMAIL IS AN ELECTRONICALLY FORGED SIGNATURE THAT WAS PLACED BY THE FINANCING MANAGER OR AN AGENT OF XXXX XXXX. I am disputing this alleged debt. 
I entered into a consumer credit transaction on XX/XX/XXXX for the purchase of a XXXX XXXX XXXX it was paid for and I owe no debt. However, on XX/XX/XXXX, WELLS FARGO violated my consumer rights by engaging in an unauthorized use of my credit card to obtain financing for a vehicle that I had already purchased when I entered into a consumer credit transaction on XX/XX/XXXX. I was not aware, nor given any notification of this transaction beforehand. 15 U.S. Code 1644 ( p ) defines The term unauthorized use, as a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
WELLS FARGO fraudulently used my credit card to produce a promissory note on XX/XX/XXXX, without authorization, which is evidenced by a statement that I received from Wells Fargo and the contract that I was sent via email of an alleged debt that is owed which is unequitable to me as a consumer. As a result, WELLS FARGO has violated 15 U.S. Code 1644 ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce 15 U.S. Code 1644 ( c ) Use of interstate commerce to sell or transport card. 
15 U.S. Code 1644 ( f ) Furnishing of money, etc., through use of card I, XXXX XXXX, a consumer am also protected by Florida state laws which were violated by Wells Fargo XXXX. WELLS FARGO originated a loan under my name on XX/XX/XXXX without my authorization which is violation of 817.54, Fla. Stat. ( 2016 ) by obtaining a promissory note by false representation 817.645, Fla. Stat. ( 2018 ) Alteration of credit card invoice, when WELLS FARGO furnished a new contract ( please see attachment )

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 2016-02-20
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company called me claiming they informed me of a potential lawsuit regarding a credit card I had more than 5 years ago. They had never before contacted me by any means of communication. They then claimed to be an attorney and stated they were trying to make a decision whether to work with me on this debt or file a lawsuit. They would n't give me any case number or reference number of any kind. They refused to give the name of the company. They refused to give me an address of their company. This company refused to give me any proof of an outstanding balance and threatened to sue me for {$9000.00} on a {$800.00} balance, freeze all my bank accounts and withhold my income taxes. I called them numerous times trying to get more information and rectify the situation and they would just say to me " we are moving forward with the lawsuit '' and hang up on me. This happened at least 10 times. I then talked some who claimed to be an attorney by the name of XXXX XXXX. I stated to his the debt was paid in 2012 and I have proof of such. He then stated " well you better sue who ever you paid to get your money back because we are going to sue you '' then hung up on me again. This was the last correspondence I had thus far with this company/attorney 's office/debt collection company. Not really sure what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

Company response to consumer: Closed with explanation