BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-26
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. 

In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. 
Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Capital Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 2022-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a Transaction was made to an elaborate scammer for {$850.00}. 
This person used multiple websites, phone numbers, package tracking input and email addresses and copied a logo of a national known accredited business website to look as authentic as possible. The real business is well known and has had articles posted about them being the best in the nation. 
I reported the incident with the bank Chase, XXXX, and three government fraud/scam sites. The two money companies kept pointing the fingers at eachother and I'm still out of {$850.00} even with government /police reports being filled. 
I even reversed the email and website Id 's for them but I still have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Sarma
State: TX
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, Broker/Realtor, XXXX : XXXX The above mentioned company has listed a fraudulent debt with collection agency SARMA ( XXXX XXXX Retail Merchants ) on all three credit bureaus. I have been trying for over 30 days to get them to remove fraudulent debt and have sent letter to SARMA to provide a copy of the NSF check they are reporting, which when contacted by credit bureaus have changed to a loan of {$2000.00}. I have NEVER written a check to that company, I have NEVER entered into contract with XXXX  XXXX XXXX. Every time I " dispute '' via Credit Bureaus SARMAXXXX XXXX XXXX changes type of debt. They have yet to provide any time of proof for an NSF check or coy of an executed contract to date. These people are clearly conducting illegal and fraudulent business in XXXX XXXX. 

There are plenty of complaints from people throughout XXXX XXXX who are dealing with these people via HUD Section 8 housing, but because they have over 200 homes within the system ... all complaints fall on deaf ears. ( I was not within this program, and have NEVER conducted business with XXXX XXXXXXXX XXXX. ) XXXX XXXX, Broker/Realtor, # XXXX, Telephone XXXX, Email : XXXX, Website : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I was browsing XXXX and was shown an advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with Apple/Goldman Sachs support who confirmed that I should receive the bonus. After meeting the requirements for the promotional offer, I chatted with Apple/Goldman Sachs support on XX/XX/XXXX. Support confirmed I should receive the bonus within 30 days. After seeing in online forums that many consumers had already received their welcome bonuses within 24 hours of meeting the requirements, I called Apple/Goldman Sachs to double check that I would be receiving the welcome bonus. The representative confirmed that I signed up in the correct time period and met all the terms for the welcome bonus but that for some reason, my account did not have the promotion applied. She said that the best way to resolve this would be to put in a dispute on my behalf for the {$75.00} welcome bonus, given that I clicked on the application through the advertisement and had met all the terms. This morning I received an email that the dispute had been denied for the reason that I had received 2 % cash back for a specific transaction. This however is not the nature of the dispute since we all agree that the cash back for various transactions is correct. The correct nature of the dispute is that I should receive the {$75.00} welcome bonus that I signed up for and met all the terms for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
received an email about me opening an account at Truist Bank, I tried calling to report the fraud, I have sent emails and no one has responded. 
Now I got a letter saying I requested overdraft protection. I did not open this 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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to fix this with XXXX XXXX 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXXXXXX XXXX that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXXXXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXXXXXX XXXX on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?

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 2016-01-27
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I installed a new furnace in my house in XXXX XXXX. Through the heating company they gave me a XXXX credit card through Synchrony bank. I thought 'Cool. I can pay this off in installments '. Silly me, I made my payments without issue for about a year and a half. I did n't pay close enough attention because sometime in there they started charging me {$120.00} / month for a card security fee I did not agree to! I sadly did not notice this until all of a sudden I am over my credit limit and they are wanting a payment of {$700.00}. Shame on me. I checked my statements. Apparently to make up for lost time, there were some extra charges in there. I contacted Synchrony. The first person i talked to told me they could n't do anything. I asked for a manager. I explained my situation and she told me i was not the only on that had this happen. Seriously? They think this is okay? She then directed me to another company. I was able to get a {$5600.00} credit. I thought this would help clear up them thinking I owed more than double my normal payment. I was wrong. 
I called them to clear up the misunderstanding and for them to fix the damage done to my credit score. I was told I had a payment that was paid, online, two days after the due date in XXXX XXXX and this was why it was late every month there after. Two days!!! They do not have a grace period and did NEVER mentioned that in any form of communication or on their website. I am now struggling to get my credit score fixed. 
If you look at my account with Synchrony, I do not currently owe anything. however on their end I am {$300.00} behind. 
I would not recommend doing business with Synchrony to anyone. This has been a 3 month battle for me and I am still fighting to get this cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: FISERV INC.
State: TX
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/2022 I noticed an authorized transaction in the amount of {$1400.00} with check number XXXX in my bank account. I called my bank to immediately dispute the transaction. Upon receiving my complaints and request by my bank, account was closed as it was being compromised for fraudulent transaction. 

To my greatest surprise, i received a letter dated XX/XX/2022 from TRS recovery services for collection of debt on behalf of XXXX XXXX that i never owed.

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an account statement yesterday for an account I do not own. It has my name and physical address. I have not opened a Bank of America Account. I do not have any accounts affiliated with Bank of America. 

I reported and called several weeks ago when I received an email from Bank of America thanking me for setting up mobile banking, a second one confirming the mobile banking has been activated and a third letting me know that if I did not make these changes I needed to reach out. When I received the first email I opened it but did not click any links. I XXXX  Bank of America Fraud department and called them. At the time I did not have an account number to reference and the representatives were unable to assist me. They could only verify my name, address and email address were showing active in their system. Now I have a bank statement for an account that is not mine but is in my name. 
I have put a credit freeze in effect and have made a report with the FTC.

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 2016-02-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Other

Complaint:
I applied for a QVC credit account and was approved shorty after placing a order for one of there items without notice my account was closed without any notification to me. When I called the representative stated I owed a passed due balance of {$37.00} and this would need to payed before my account could be reopened. After giving them my debit card number to pay the outstanding balance QVC has not responding on reopening my account that they approved me for in 2015. I would like them to know that closing account can cause damages to my credit and I the customer was not notified of the closing of my account of given a chance to pay the balance before closing my account.

Company response to consumer: Closed with explanation