BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was sent a credit card in the mail by Synchrony Bank in XXXX Fla. in XX/XX/2017. I have no account with this bank, have never applied or asked for this card. This account was opened without my agreement, knowledge or permission. This account has been established fraudulently and I am concerned about how this affects me. I want this account closed 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 2022-06-01
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 XXXX  Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
When I went to XXXX to make a purchase I was asked to apply for their visa card to get a discount on my purchases. 3 months later ( XXXX XXXX 2015 ) I get a call from a collection agency telling me I owe a balance that I have not paid and they have put my " Delinquent '' account in collections. I was shocked because I always pay my full balance as soon as I get my statements. In this case I never got even one statement from this company. They told me the address they sent it to and it was not my address. It turns out that the bank handling the card " Synchrony Bank '' had made a mistake and sent it to a completely different address in a different city. I told them my address and also told them to get me out of collections immediately since it was their mistake. I would happily pay my original balance without the fees attached but they would have to correct the balance and send me a statement first. Nobody on the phone was helpful in this case. They have given me a bunch of different numbers to call and when I asked for a supervisor to correct this situation nobody came to the phone and left me holding the phone for a while. I finally hung up and tried to call XXXX headquarters and the bank themselves but when I called the bank number an automated message came on saying my account has been sold to another company. I am very disappointed and angry. I just want to pay the amount for my purchases ( XXXX ) and I 'm not responsible for their mistake. They need to mend what they have done by correcting their report to my credit. I did not deserve any of this. I am going to complain to XXXX as well and will never shop there again and will make sure I will make sure my friends and family will not shop in Gap either. I 'm still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AL
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 fair credit reporting act XXXX account XXXX XXXX XXXX ON EXPERIAN AND account XXXX XXXX XXXXXXXX ON 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 aslo states a consumer reporting agency can not 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 explanation
Consumer complaint received 2016-12-09
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Someone named XXXX XXXX out of my county 's Consumer Dispatch called at an unknown number saying they will make an attempt for XXXX summons and if failed, there may be a bench warrant for my arrest. They left a phone number of XXXX and a case file number. When I called, I gave the case file number and was put on hold for a long time. Then a guy named XXXX came on the phone and indicated my name, address, phone number, social, and work history. He said I am to talk to my husband about the call because a settlement was discussed with him. That I am to talk about it tonight with him. I told him if it 's about me, I am to know. He accused me for owing money for a credit card. He began spewing credit cards I have currently and kept threatening me I 'd be going to court. I asked him if he was a lawyer and he said he represented XXXX XXXX. Again he indicated my job history. I asked him what does that have to do with anything? He said it means you got money. My husband who also got the same voice message and felt the same feeling I did. This is a scam. When my husband called, he related it to the guy being a XXXX or something. Very unprofessional by saying, so you got the money or what? This is reported to our local police department and if probable the Federal Trade Commission. Someone has my identifying info.

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 2015-05-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX My wife had dental work done at XXXX XXXX. The total work cost {$1100.00} and they charged it to a Care Credit Card in my name, card # XXXX XXXX XXXX XXXX. It was a 6 month no interest if paid in 6 months. Care Credit is now Synchrony BankI paid each month as required as follows : Pmt. # XXXX Date XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total paid was {$1000.00} and as soon as I realized I made an error I called and talked to a lady there and told her my problem. 
I have had many health problems lately, including a XXXX because I was XXXX from low XXXX XXXX. I had to have my XXXX because of XXXX and I also had XXXX XXXX at the same time and had to have the XXXX removed also. The I had months of XXXX XXXX which cost me over XXXX of my XXXX. Needless to say my mind was not 100 %. I new I had to pay the {$420.00} but some how I only paid the {$300.00}. 

I then received a phone call demanding I send them {$1300.00} or they ( insinuated ) they would ruin my credit. Not wanting any problems I sent them the {$1300.00} I sent them XXXX registered letters and received no beneficial replies. Why the {$1300.00}? Nothing adds up except my loss. Even the 26.99 % interest does not add up. They sent me a check # XXXX for {$120.00} dated XXXX. Why? I have not cashed it!! 

Please help me if you can! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 non-monetary relief
Consumer complaint received 2015-05-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.

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 2016-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Credit Glory LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX I was calling XXXX XXXXXXXX XXXX to settle a debt collection and was transferred to Credit Glory XXXX XXXX where I was informed that they could possibly raise my credit score by disputing items on my credit report. I talked to XXXX, who said she would be my credit consultant and for a fee could then help fix my credit. She that day charged me {$190.00} work fee and also then required to have a credit report ran with XXXX XXXX for a {$1.00}. Later after she told me there would be no hidden additional fees, I find out that this was now going to be charging me a monthly fee of {$19.00}. This again, is on top of the work fee. The following day XXXX, upon checking my online portal they sent out 4 total disputes. 3 were open collections, and the other was a closed CC account, which were all accurate. I received no communication after that and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) with no response ( have call log ). I then immediately became suspicious of there credibility and called ALL 3 credit bureaus on XX/XX/XXXX to request information about my disputes, which they then informed me that there were none opened. ( I have representatives names and file/confirmation # 's of the calls. ) I then immediately called Credit Glory to voice my concerns only to be told that the 3 credit bureaus lied to me and we're displaying a delay tactic. I have now started on my own working to rebuild my credit. I have disputes with my own file/confirmation numbers and dates to prove that I am the only person working on these accounts so they can not receive ANY credit for my new success in raising my own credit score. Also on XX/XX/XXXX I saw they sent out disputes on all 7 accounts, 3 being in collections and 4 closed cc accounts. Why would they duplicate disputes again twenty days apart? I have screenshots of everything. I finally canceled my account on XX/XX/XXXX stating that I want not only the money back guarantee of {$99.00} but the entire full amount of {$190.00} because there was NO work actually done on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.

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 2022-12-13
Company: EQUIFAX, 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 status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation