BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. 
The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. 
On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. 
Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. 
I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. 
Subsequent e-mails and chats have produced no response to my claim. 
Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. 
As of today, I have not received a statement with the correct amount listed. 
Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. 
I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. 
I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. 
Please look into this matter.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these : 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 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed three unauthorized charges totaling {$650.00} on our checking account. The charges were made on XX/XX/2022. I called to dispute the charges and locked my card on XX/XX/2022. I received a letter on XX/XX/2022 dated XX/XX/2022 which stated that {$450.00} was denied due to not reporting this claim in a timely manner. I've been given a provisional credit of {$190.00}. The letter also states this is a temporary credit provided I complete, sign and return an XXXX XXXX XXXX form. I have not received this form.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My daughter used a Chase credit card to transfer money via XXXX. This happened on in XXXX  on : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$3.00} XX/XX/XXXX : {$4.00} Each time, Chase Credit Card charged me a {$10.00} fee for a total of {$30.00} plus interest ( although I pay off my balance and don't carry a balance ). 

They said this is " new '' because XXXX now processes the charge as a cash advance. They apparently didn't do this in the past. 

There was no heads up or warning given that fees and interest would be charged for this transaction through XXXX. 

This is price gouging! they charged me a {$10.00} fee for a {$3.00} cost then repeated this fee two additional times. ( plus interest charges ) I asked them to remove the fees but they won't do it. They said they could waive only one. 

I was not aware of fees of this magnitude ( or at all ). They said this is part of my agreement. It should be illegal to charge 300 % to " borrow '' money for a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Quality Recovery Services, Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I noticed a couple of months ago there was an account added to my credit report by XXXX XXXX XXXX. It surprised me because it is a very old account. It was involved in a bankruptcy case in XX/XX/XXXX. I'm not sure why they would now add this account after all these years. The statue of Limitations for collection is up being that it is past 6 years, and it was in bankruptcy!!! I reached out to the 3 credit bureaus to tell them about their unfair credit reporting. XXXX and XXXX deleted this account from my report. But on XXXX it still remains.On my credit report they have date of delinquency as being XX/XX/XXXX and date reported XX/XX/XXXX and date assigned XX/XX/XXXX. Clearly this is a blatant case of re-aging my account. And that is a direct violation of the FCRA, Fair Credit Reporting Act. Also I disputed this with XXXX on XXXX XXXX and there is no mention of my dispute listed on my account as of XX/XX/XXXX. Clearly another violation of the FCRA. This illegal and unfair. This incorrect reporting is hurting my credit. I am also contacting the XXXX  and the Attorney General Office to let them know what they are doing to consumers. They need to delete this NOW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-03-20
Company: LEXISNEXIS
State: MI
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:
Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX D.O.B : XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a XXXX system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card provider is Barclaysa XXXX sponsored by JetBlue. I recently paid my monthly statement ( due XX/XX/ ) in full ( via check enclosing Barclays voucher coupon ). Instead of crediting my account, Barclays erroneously credited my wifes credit card account ( she too has a Barclays XXXX ). Im now accruing interest and being warned I have an overdue debt. A call to Barclays customer service on XX/XX/XXXX ( case # XXXX ) supposedly resolved the issuebut it didnt. I called customer service again today, XX/XX/XXXX, when Barclays sent me a new statement still showing a past due amount. Customer service did not take my proffered case # from XX/XX/XXXX. Rather, I was put through the same song and dance with the new information that Barclays mistake could take up to two billing cycles to be resolved. Meanwhile, I cant use my credit card ( unless I make a paymentagain ), I continue to accrue interest and Barclays continues to demand payment of the amount supposedly under review by them. I asked whether in paying my next statement I should deduct my prior payment and any interest charges, but customer service seemed incapable of answering my question.

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 2023-01-27
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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-02-12
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX  fuel card was used in another state ( AZ ) while the card was in our possession and we have transactions to prove that we where in Missouri on the same day. Fraudulent charges totaled XXXX $ and XXXX XXXX said that I'm not covered under their card agreement.

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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase addressed me as my personal maiden name in regards to a business that does not have me listed under my personal maiden name to pull my personal credit for a business credit card. Therefore, they illegally pulled up personal information from their internal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-01
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 non-monetary relief
Consumer complaint received 2023-09-27
Company: PNC Bank N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Several months ago, I opened a credit card account with PNC Bank. I requested that my statement be sent to my home in hard copy. I never received any statements. As a senior citizen ( Age XXXX ), I trusted PNC to honor my request and send me my statements so I can compare my receipts with the statement. Despite many requests not only from me but also from XXXX XXXX at the XXXX XXXX, AZ branch. The Branch Manager XXXX XXXX tried to work with the credit card department. He told me they expected my call. When I called I talked to Supervisor XXXX ( XXXX ). She basically called me a liar when I told her I NEVER received any statements. I told her my address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX. 

XXXX XXXX XXXX said she sent the statements to that address. If that was the case why have I not received any statements? 

I believe PNC Bank is scamming seniors. We open a credit card account, expecting our statements to be sent to our home. If they do not arrive, don't know payments are due and don't pay. This results in fees and interest payments. Despite complaints about the lack of delivery, nothing is done. Fees and interest build up without our knowledge. This is an easy way to increase revenues and harm a very vulnerable section of our population. Since there are no statements, I can not produce them as evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 2023-05-03
Company: EQUIFAX, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation