BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Synchrony Bank sold a debt for a credit card to XXXX XXXX XXXX and wrote the debt off ( which is reported on my credit report by Sychrony as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, XXXX did not know what this debt was, other than from Synchrony Bank and could not disclose what the debt was relating to. 

XXXX XXXX XXXX  began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. XXXX XXXX XXXX  disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted XXXX XXXX XXXX, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, XXXX XXXX XXXX LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.

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 2017-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Husband died in XXXX, leaving NO assets or estate other than my house which is XXXX in Texas. He had NO life insurance. While I did not use this account, his Chase Sapphire card apparently listed me as a co-owner as opposed to an authorized user- which is severely negatively impacting my credit score and attempts to re-set my life as a widow. On XX/XX/2020, I contacted the Chase Sapphire Bereavement Department and spoke with XXXX, ID # XXXX. I explained that I am unable to pay this debt, as I am faced with both the loss of income from my Husband 's death and my own income due to the COVID-19 Pandemic. I am working hard to pay my own credit accounts and that is all I can do. I requested that the amount owed on this Sapphire card be reduced or that interest accrual be stopped so that I had some chance of paying the balance incrementally. I was then referred to the account supervisor, XXXX, ID # XXXX, who informed me that they were not willing to work with me other than to close the account and " put me on a payment plan. '' He was not willing to discuss reducing interest charges and further threatened me that my credit score would be negatively impacted and that " it might cause me problems with my other Chase account ( which is my own account and which I pay faithfully. ). My position is that a payment plan does not help me as long as they are charging more interest per month than I can afford to make in a payment. I will like not to have to pay a Credit Resolution company to help with this, I would expect that in the face of a DEATH and a PANDEMIC to have some kind of relief. My mortgage company helped me, all my other credit cards help me. Only Chase refuses to be part of any kind of solution. The public should know how Chase Sapphire deals with widows in the face of a Pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2017-03-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have reached out to Discover more than 10 times, both by phone with representatives and in writing to request an adjustment to a recorded late payment in XX/XX/2021. Clearly I do understand they can not, by the Fair Credit Reporting Act, remove this one and only delinquency, but they are not obligated by law to report it. Im not asking it be removed from their records, only that it be adjusted with the credit bureaus, as this late is the only late and occurred while I was with XXXX and seriously XXXX. As a result of this reporting, Im unable to qualify for homeownership and as it affects my credit so steeply it prevents me from even attaining adequate XXXX In this economic climate I do not feel it is a totally unreasonable to request and a certain level of compassion to be considered as most large companies have made strides to have some empathy for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the XXXX site and asked for a credit freeze. I could only get one if I  paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. XXXX  had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called XXXX and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with Transunion. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called Transunion, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.

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 2015-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute with Experian, as my report contained multiple entries of erroneous information. Experian responded back refusing to investigate the errors stating that my dispute was somehow fraudulent and bewilderingly claimed that it was not me who was submitting the dispute ( see attached response from Experian ). This is a flagrant violation of the FCRAI have also included a copy of my original dispute letter to Experian that has my identification information and the list of disputed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I wired my Aunt {$1000.00}. The wire was sent from XXXX of my XXXX XXXX XXXX accounts to her checking account with JP Morgan Chase. It did not go through. For whatever reason ( I was told that her account could not accept a wire transfer ), JP Morgan Chase refused the wire. They subsequently returned {$960.00} to my account, charging me {$40.00} to refuse the wire to my Aunt, who desperately needed the cash. 
My Aunt is a bit old. I have not asked her to find resolution on her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  ... .EQUIFAX XXXX AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX CARD LIMIT IS {$5000.00} XXXX XXXX CARD LIMIT IS {$3000.00} XXXX REWARDS CARD LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBVA has been moving my transactions out of order so that I accrue fees even though I have enough money in my account to cover all transactions. I have called them twice about this and they will admit no wrong doing and state that I dont have enough money in my account when I actually have more than enough. This is not the first time they have done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a care credit card at my vets office without being told by an actual care credit representative on how care credit interest charges work, or how the care credit card itself works. Care credit is not supposed to approve applications when done through the vet offices, but they did. So I opened this card and was only told by the vets office that if purchases were paid off within 6 months, there would be no interest charges. But I was never told that care credit will charge you HUGE amounts in interest and that each payment you make, will NOT go toward the oldest charge and promotional offer that expire first, and to do that, you have to call care credit and make payments over the phone every month and verbally state or specify which charge and promotional offer to apply your payment toward. I was never told this by anyone when opening my account. That is extremely deceitful and bad business. So whenever I made payments, care credit did not apply it to the oldest promotional offer, like they should have. I never received any information on how care credit interest works, when first opening my account at the vets, nor did I ever speak to a care credit representative at all when opening my account. They charged me {$790.00} of interest in XXXX of 2022 alone, due to expiring promotions. I was charged other large amounts of interest like that in other months because of expiring promotions again, racking up my bill and making it impossible to catch up or pay off. I never missed a payment and always paid more than the minimum. I called in XXXX of 2022 to talk with the company and even a manager and tell them I had no idea this was how they worked and that it was crazy to charge people these large amounts of interest and I asked them to please reverse at least some of these insane interest charges so I could catch up and pay off this card and they refused to work with me. Anytime I told them how I was not informed on how their credit card or interest worked, they ignored me and kept saying they could not help me.

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 2015-12-18
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling me.

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 2022-07-22
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have noticed a few accounts on my credit report I do not recognize

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 2019-12-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Contacted the Chase XXXX Member line concerning SCRA benefits as an Ohio resident for two closed auto loans on XXXX XX/XX/2019. Both loans had an interest percentage above 6 % and wanted them to refund interest charged over 6 %. Personnel said they would review the auto loans and we should expect to receive a letter from them in 60 days or less. We were also told that they had received all required documentation form us and did not need anything further. I have yet to receive any a letter or any communication on the status of the review.

Company response to consumer: Closed with monetary relief