davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CO)

Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC (TX)

Attempting to collect {$5100.00} for work that would have been no more than {$1900.00} if the work would had been completed. {$1000.00} was paid prior to the start of any work. 

I have received a " second notice '' dated XX/XX/2023, after sending my requests and disputing debt with XXXX XXXX XXXX to the address listed on the notice as indicated on the notice. This notice has a different out of state address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and same phone number XXXX XXXX, with only recorded lines. First correspondence was sent on XX/XX/2023, with and estimated delivery of XX/XX/XXXX Tracking # XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as indicated on the collection notice. I have yet to receive communication regarding completing work or an itemization of actual work done. 

This company is using unethical practices to collect debts that are not owed to them. 

Documents attached showing {$1000.00} payment, estimate for work that XXXX was contracted, and picture of a portion of the incomplete work. Half of area painted, and paint does not match. I will be sending another certified letter to the new address provided on today XX/XX/2023.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MO)

WE made a payment on our cc on XXXX. the conformation # XXXX. In the online payment instructions it states that payments are posted to the account within 48 hours. I called them and was on hold for about 30 min. i was told the funds would post to my account on XXXX! The funds were taken out of our bank account on XXXX. We believe that customer service is not a priority with this bank. They exhibit traits that lead us to believe that their financial profits are their only concern. ie ... long phone hold times and when payments are made the www instructions on the payment page are what consumers look at, NOT the fine print on the agreement. Due to their sharp business practices we will pay off the card and cancel it. 
Respectfully XXXX
Consumer complaint received 2016-05-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (MO)

JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

I reported XXXX fraudulent charges on my Banana Republic credit card which is through GE Capital Bank on or about XX/XX/XXXX in the amount of {$320.00} spanning XX/XX/XXXX to XX/XX/XXXX. As of XX/XX/XXXX, the charges had not been removed form my account so I called and was told to wait as they would be removed by next billing cycle. As of today, XX/XX/XXXX, the charges have still not been removed and I have been charged late fees in the amount of {$50.00}. Upon calling again, I am told that only a portion of the fraud has been investigated and it is 'approved ' but still not credited back. Approximately another {$90.00} has no status.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..
Consumer complaint received 2016-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (SC)

I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled!
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (NY)

For the third year in a row I have not received a check for rewards from Sam 's Club Rewards credit card. Amounts due are always on statement, that 's how I know I have cash amount due. Each year they say they sent it with my statement. Previous years they sent a new check. This year ( XXXX/XXXX/2016 ) I was told by a representative that they no longer issue replacement checks. They stated they would credit my account and did not give a time frame. I called back ( XXXX/XXXX/16 ) and was told 30 days for a refund that was due in cash, but is now a credit. I am writing as i imagine there may be other complaints, as this is not the first time Sam 's Club has not kept up their end of the bargain, as a few years ago I had restitution for early hours not being honored. I do n't expect anything more to come of this but awareness and timely, accurate retrieval of funds owed, and accurate information from phone calls. Thank you.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MA)

On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on time.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! 

I have never received a statement from Conns. I have never received a payment book. 

Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. 

Please fix my credit report because of your errors in the payment process
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.
Consumer complaint received 2016-12-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I deposited {$240000.00} into Synchrony Bank Acct. XXXX. In XX/XX/XXXX, I requested that the account be closed and the balance ( {$250000.00} ) be paid to me. I never received the funds. The customer service rep ( XXXX ; XXXX X XXXX ) told me that the check was signed by me and returned to XXXX. They did not know what to do with it and could not contact me because the account was closed. To date, this matter has not been resoved and I am seeking payment of the funds owed me.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (FL)

JCP Payment Screen/Account Summary ( first screen once logged into account ) is deceptive and has cause me financial harm, thereby being abusive by CFPB terms. 

There are XXXX choices to choose from to make a payment, non of which state that your account may be delinquent. Per the representatives that I spoke to today, XXXX/XXXX/2017, ( lastly was XXXX in collections ) my account was delinquent even though my payment history would reflect otherwise. My monthly amount due went from {$68.00} to {$190.00} due to being " delinquent '' - something I only found out by calling and speaking to both representatives. I had been charged XXXX late fees {$37.00}, {$37.00}, {$27.00}. I was told that I missed my XXXX payment, however in XXXX I made XXXX payments to correct the missed payment as I did not know that I had missed the payment. 
I was never advised that by doing so, I would still not be bringing my account current. I have been using my card without issue once payments have been made. Per the account payment screen, if I click option XXXX, I make my minimum amount due payment- which I do monthly. 

I believe that the " delinquent amounts '' should be shown on any XXXX of the XXXX lines of options to pay each month. 

While XXXX did waive XXXX of my late fees, I am still very dissatisfied with the fact that I had to make a {$59.00} payment over the phone to bring my account " current '' and no where on my account page did this amount show past due. 

I have been a loyal customer of JCP for years and I feel taken advantage of and sadly believe that the only reason I had XXXX late fees waived was because I understand UDAAP and was able to explain the Deceptive and Abusive features of their online payment system. For others without this knowledge, I fear they are being taken advantage of. 

I am very unhappy and will no longer be shopping at JCP. I will work monthly to pay off my account. I was told by both representatives that they would place a " complaint '' in their system. 
I too am placing a complaint with the CFPB to ensure that this abuse does not continue and harm others.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: SYNCHRONY FINANCIAL (CA)

Questions It states THERE DECISION was based in part on a credit scoring system that was used to evaluate my application the reason where I did not score well compared with other applicants have been determined and are listed below insufficient credit history on file so my question is is it legal or is it fair that they are evaluating or trying to generate score a credit scoring system based on they are comparing me with other applicants in order to create this credit score I do n't think it 's fair that they want to compare mine my personal information or evaluate me if I am up to par and compare that with other applicants and that 's how they determined second question it also States some information used to make this decision was obtained by the credit reporting agency it did not make this credit decision and is unable to provide you with the XXXX reasons of our action
Consumer complaint received 2016-04-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TN)

I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

I paid off my Ford Credit loan early around XX/XX/2017. about a week or so later i got a letter with a check for {$8.00} saying I overpaid my paid in full contract. 
I got a couple of emails asking to take a survey and then a couple of emails asking for a call but not any reason to call. I assumed it was for feedback or to offer another loan. I did n't follow up as I am not interested. 
However, it appears that I put my account number in incorrectly and the payment did n't go thru. Unfortunately, I was never told this. The emails said nothing of this. 
They took the car yesterday and when I explained that i was n't aware it was not paid in full I was basically told that it was n't their problem.