BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, TransUnion and XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, TRANSUNION and XXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least {$150.00}. But I did not get the reward, despite spending more than {$250.00}. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.

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 2016-12-07
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.

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 2016-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone changed my debit card pin number aND my daily withdraw limit. Then they attempted to wire money from my XXXX XXXX account to my usaa checking account. Then they transfered money from my usaa savings account to my checking account. The XXXX account did not have sufficient funds so they transfer was cancelled and I was penalized. After finding all this out I submitted an attempted fraud to usaa and they locked me out of my accounts and have refused to give me any information or access to my money. It 's been three weeks now. I reported a possible identity theft also and have yet to receive any help or information from anyone

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or about XX/XX/XXXX, I called the Chase Fraud Department for an update of my pending fraud case involving my Chase Freedom credit card account. 
The Chase officer had declared telephonically that all XXXX charges were determined as Unauthorized and/or Fraudulent, and that these charges were going to be credited back to my account. Moreover, and a check for over payment from Chase would be mailed. 
The Chase officer stated all charges identified as " XXXX '' ( XXXX ) dating back to XX/XX/XXXX were determined to be unauthorized charges by XXXX. I was then instructed to discontinue sending monthly payments to Chase. 
A week later, I received a Chase check for {$840.00} for over payment on a balance riddled with fraud by XXXX. I was delighted the case was finally settled after 5 months. In addition, I received a Chase statement clearly indicating the credits and payments no longer due. 
However, an unexpected call from a unidentified Chase financial officer about a week later was received about XXXX. My husband and I listened in shock and disbelief as the Chase financial officer stated " I see no fraud '', and proclaimed all previously dismissed XXXX charges in question are now resurrected, and that I have to pay the balance. 

When I told the Chase financial officer the case was settled a week ago, and that I a check from Chase for {$840.00} has been proffered, the officer seemed stunned and at a loss for words ; asking who, what, and when? 
Moments later, she alluded that the settlement by the other Chase official did not matter, whereby, declaring my settlement null and void. In that, I will be receiving a revised Chase bill resurrecting all previously determined unauthorized charges. I retained as evidence my Chase statement showing fraud charges had all been credited back to me and payments to Chase no longer required. 

To my disbelief, the Chase financial officer had simply, in matters of a few minutes, usurped a competent Chase official who credited my account and settled the case after five ( 5 ) months of investigation. Presently, I am saddled with debt that had already been identified as fraud and had been forgiven. 

I respectfully request that the CFPB intervenes and upholds my settlement regarding my fraud case involving XXXX. The evidence shall show the Chase financial official in question, had unnecessarily intervened striking down my settlement, and clearly demonstrating a questionable business practice that would be appalling by most or all consumers, as it clearly opposes negotiating in Good Faith and applicable laws protecting consumers from frivolous and outlandish business practices motivated by self-serving needs based upon a whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an 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 explanation
Consumer complaint received 2015-08-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15, I entered into a an agreement to purchase furniture at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX salesperson convinced me to finance the entire purchase with a promotional financing agreement that she was offering through Synchrony Bank XXXX It was an 18 month no interest financing promotion. I received my Synchrony monthly statements and the furniture was indeed financed as agreed. Unfortunately, the furniture was never delivered. The specific delivery date was rescheduled by XXXX XXXX XXXX XXXX twice. In XXXX 2015, I finally complained to Synchrony Bank that the furniture was never delivered and that they should not pay or Synchrony should reverse the payment that they did make to XXXX XXXX XXXX XXXX Synchrony Bank responded to me by letter dated XXXX/XXXX/15 that they had given me credit but that there was a 35 % cancellation fee that I would be responsible for. This 35 % cancellation fee ( {$2200.00} ) made no sense to me since I did not cancel the order but rather I was the victim of a consumer fraud perpetrated by XXXX XXXX XXXX XXXX ( a sales agent of Synchrony Bank XXXX. The furniture still has not been delivered although I never cancelled the order. I called Synchrony Bank more than XXXX times to try to resolve this dispute nut Synchrony continues to bill me a {$2200.00} cancellation fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I placed an order with Amazon.com on XX/XX/XXXX for approximately {$200.00}. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over {$140.00}. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named XXXX said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I explained that this has never happened before and I routinely place orders with Amazon that are over {$200.00}, and sometimes over {$600.00}, as you will see that I currently have promotions for 6 months to 1 year. When I continued to question as to why there was a hold on my account, she asked me to wait while she removed the hold. She came back to the line and said not to worry, as she 'd removed the hold, but she either could not or would not provide definitive explanation as to the reason there was a hold on the account.

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 2016-02-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a credit monitor company informed me that XXXX XXXX made a hard inquiry into my credit. I promptly called to alert them that I did not seek cable from their company. I have lived in a multi-dwelling unit for >10 years that contracts exclusively with XXXX XXXX. XXXX   deemed the inquiry valid for " promotional purposes. '' XXXX required that I send a form with all my personal and sensitive information through the mail to resolve the issue. Beginning in XX/XX/XXXX/XX/XX/XXXX, DIVERSIFIED CONSULTANTS INC ( XXXX ) began calling my home repeatedly until I asked them to stop calling. They never said what the call was concerning just a " personal business matter '' neither was there anything received via U.S. Mail. The result is now a bogus {$1000.00} delinquent charges from XXXX for 'unpaid bills since XX/XX/XXXX ' per XXXX XXXX for address XXXX XXXX XXXX , XXXX XXXX, XXXX ' . I promptly informed them that I never lived at that address. XXXX XXXX said the company would remove the charge from my credit. The bogus amount is now on all three of my credit reports! This could have been avoided had XXXX and XXXX applied due diligence to verify address and information a year ago. XXXX should have know the property was not one of its clients!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I asked TransUnion for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX & XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with XXXX asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like XXXX to follow suite .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I requested validation for this debt! They sent me a contract with my DADs Signature! The apartment was never in my name just my DADs! I lived there for a week while waiting on school to start! I NEVER signed a lease with them or the original creditor!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 concern 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 BAPCPA " XXXX XXXX ''. 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 2016-06-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..

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 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/XXXX-XX/XX/2011 I damaged my phone and returned it to XXXX. They claimed they never received it and charged my account {$370.00} for " lost equipment ''. I disputed this with them at this time to no avail. 
I cancelled service ( outside of contract ) and went to another provider. XXXX continued to charge me monthly after I left the company. 
I do not owe XXXX {$2300.00}. My position is that I owe them nothing but I am willing to settle for the " lost equipment '' charge and have this removed from my file. 
I approached the collection company and offered to settle. They replied with an amount that is out of the question. 
Please help, they have been less than cooperative. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
i do not have any credit cards in my name i lost my wallet back in 2012 and i get on XXXX XXXX to apply for a credit card and i was declined so i went to XXXX and it shows that i have XXXX credit cards that has been used in restraunts clothing stores and other places like XXXX and never got anything from XXXX ive always used go phones and now i have bad credit for something that i never did

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying to settle this account, listed on my credit report the total owed is {$1000.00} however when i call to settle in full i i was informed that the amount listed on my credit report was incorrect and my total was {$1500.00}. i tried to explain to the agent on the phone and was told i should just pay the {$1500.00} as it is listed as accord interest in her system

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Good Day ... 
I noticed a review/law suit has been done with Toyota relating to minorities getting a higher charge. I was told when i bought my XXXX Rav4 in 2015 from XXXX Toyota in order for them to give me a loan i also had to purchase some other packages. I am a XXXX female and went to the dealership alone. I believe they took advantage of the situation. I already purchased a toyota corolla from them in the past as well. Would my account be reviewed for this lawsuit as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.

Company response to consumer: Closed with explanation