BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the past year or so I have received hard inquiries on my credit report for attempts to open accounts via this bank. Various sub companies under this back ( lowes, and american eagle ) have had repetitive attempts. I have placed the proper freezes on my credit, however attempts to open accounts continue. I do not feel that this bank makes any effort whatsoever to help rectify identify theft incidents regarding their institution. 


XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-04-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated 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 non-monetary relief
Consumer complaint received 2015-12-13
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Payoff process

Complaint:
I have an account with XXXX XXXX XXXX issued by Synchrony Bank. We have XXXX credit card only and my husband uses it also for his expenses at work, so every time he receives his expense check I deposit to the bank and issue a online payment to XXXX right away to keep our available credit open so we do n't have any surprises when charging. On my last Statement I '' ve made three pmt one of {$890.00} this was expenses, one of - {$1600.00} also expenses and the last one of {$3200.00} which was my balance to pay and the last one was deducted from my bank account via on line pay with my bank on XX/XX/2015, XXXX received it on XX/XX/2015 and is still holding this pmt as of today XX/XX/2015. They are telling me they have to wait for the money to clear, I 'm sure my bank would not send my pmt if the fund was not in my account, ( And it was already deducted on XX/XX/2015 ) with this situation going on and the other charges done since, we went to charge a small amount of XXXX and was denied by the store, after talking to these clueless at XXXX they refuse to apply my pmt to my balance, my husband was leaving on a business trip this morning XX/XX/2015 without any credit cards. I do n't believe they have the right to hold on to my money since my Bank has pay themselves on XX/XX/2015 it should not be any issues about credited my account, they are abusing people who pay their bill off each months and they should not get away with it. I need help to stop these deceptive practices. It 's putting us in a uncomfortable position and my husband have no way to charge for his expenses for the next few days, we ca n't not accept this kind of XXXX, because we like to pay our bills ahead they are punishing us by refusing to apply pmt on the same day they receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!

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 2017-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX my family had XXXX immediate family XXXX which left all of us in a position to have to come up with finances to XXXX them. I got behind on all my credit card debts and enrolled in XXXX debt relief. XXXX advised me to pay a monthly amount and they would negotiate the balance and I would make a monthhly payment to them. I was also told no negative report would go to my credit bureau and that it would reflect enrollment in the program and continually paying. However I recently obtained a copy of my credit bureau reports and they show numerous creditors, including Synchrony Bank as a " charge off '' which is prohibiting me from renting a residence, or obtaining decent credit. I contacted Synchrony Bank on various occasions and was told that enrollment in a debt relief program was a positive step and it would not be reported negatively on my credit bureau. All XXXX credit bureau reports show " Charge Offs ''. In XX/XX/XXXX I obtained a consolidation loan and every creditor has been paid in full. I have faithfully paid these debts and want to pay off the consolidation loan in the near future. My credit is ruined with these reports of charge offs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MA
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX EQUIFAX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Other

Complaint:
Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Other

Complaint:
I am being constantly being harassment by Walmart on my XXXX credit card account. I need to report this to you to quit being harassed by them for payment since have already made arrangements with them to pay on my Walmart credit card account. Thank you for looking into this harassment charge against Walmart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2015 I received an inquiry from TJ Maxx. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: APR or interest rate

Complaint:
Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to interest.

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 2015-09-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On my Amazon.com payment webpage in XXXX 2015, Synchrony Bank promoted a financialoffer : 5 % cash back or 0 % APR on purchases. The page expressly stated that Amazon.comStoreCard members enrolled in the paid XXXX membership would " automatically '' receive these benefit choices. This ad on the Amazon.com payment page appeared for the next XXXX months. I made several inquiries to Synchrony Bank about receiving this financial promo. No one, either reps nor supervisors, knew about the promo or how to follow-through. 

In XXXX 2015 the Amazon.com payment webpage changed, the offer reappeared, yet it was no longer an " instant '' benefit. I selected to receive 5 % cash back on purchases at that time. 

XXXX, 2015 StoreCard statement for Amazon.com from Synchrony Bank did not include the cash back on purchases benefit, after I made rather difficult, repeated inquiries. 
Synchrony Bank made a financial promotional offer, XXXX 2015, based on purchases made by XXXX membership clients that they did not honor or follow-through. Synchrony Bank was not able to, and appeared incompetent about correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. 
As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). 
Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). 
That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. 
This is all after speaking with a Conns rep back XXXX 2015. 
I explained to him that XX/XX/XXXX payment would be a few weeks late. 
The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. 
This is only causing additional stress. 
Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. 
I can not help what 's happening this current month. 
My health takes precedent ... Hopefully they can understand this and back off with the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased furniture in XXXX. They delayed a portion of my furniture which caused me to want to cancel my order. In order to keep my business, they discounted my purchase and I took the portion that was available with me. The portion that came with me did not fit so I returned it a day later and was refunded the amount. The discount never reflected on the credit card while the return did, so even when I finished paying my card off and closed it out, they still show a balance and I am getting late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-07-27
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only XXXX a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the service. I felt i made small purchases and my account should not have went over. they also tried to sign me up for some hard ship program and later close the account with out me knowing or keeping it open. That the product i purchase on my card was not allowed to be returned to the card. they need to check and make sure the items that they are selling are really from their store.

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 2016-02-24
Company: Conn's, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. 
If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure. 
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation