BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Financial received my coupon that I sent out on XX/XX/XXXX and it was delivered on XX/XX/XXXX. I have receipts that it was delivered but I didn't get my returned XXXX registered receipts mailed back. I have sent them the payments according to the XXXX which they have failed to credit my account in the full amount. The Respondents is violating my rights to discharge according to XXXX XXXX XXXX XXXX. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. XXXX XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, UCC 3-104. NEGOTIABLE INSTRUMENT, 3-419. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, 15 U.S. Code 1666b - Timing of payments. Therefore, Synchrony has violated my rights.

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 2016-12-05
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRL FINCL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRL FINCL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRL FINCL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX  XXXX Balance Owed : {$12000.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance Owed : {$240.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$170.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 explanation
Consumer complaint received 2022-10-13
Company: Lockhart, Morris & Montgomery Inc.
State: MO
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:
These Financial Intuitions are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant. 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Direct Express has not provisionally credited my account under regulation e for a dispute that I filed on XX/XX/XXXX. I spoke to a customer service rep and the supervisor in the supervisors stated that the provisionary credit will be on the account on XX/XX/XXXX under regulation e. I will begin discrimination claim and financial discrimination claim as the dispute Department from Direct Express will be the third party defendants acting in a discriminatory manner. Direct Express has treated me in a discriminatory manner by not providing good customer service hanging up not fully disclosing my terms and conditions and not honoring my terms and conditions I haven't been fully disclosed on my terms and conditions under Regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-27
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX  XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXXXXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Other fee

Complaint:
I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: Contemporary Information Corp
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
a faulty background check company, Contemporary Information CorpXXXX improperly shared information about me from the public domain with a property management company without my permission. When this information was shared it was inaccurately interpreted thereby causing me to be denied the opportunity to rent a house of my choosing. Also, the same background check company reportedly gathered credit score information on me but neglected to pull a full report from XXXX as well, therefore only sharing a partial report on my credit scores from a new scoring company named XXXX. XXXX 's primary usage of XXXX scores is only half the reporting. XXXX scores are widely known to present lower credit scores for consumers thereby diminishing credit worthiness to a potential lender or management company. XXXX somehow misinterpreted a traffic citation for a criminal record and passed this faulty information on to the property management company without contacting the California local court who reported the citation in 2017 to verify that their interpretation was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF THE WEST
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a cardholder with FIA Card Services ( and its predecessor organisations ) since XXXX. I have been a loyal and good customer for the thirteen years in question. I have used the card service regularly and have always paid my outstanding amounts owing on time and in full. I have never complained nor caused any problems for the company. 

On XX/XX/XXXX, a transaction that I had attempted was declined. As such action had happened from time to time before then, I called customer services to query what was going on and to get my account cleared to be able to use the card. I had assumed that a call would sort out the problem quickly and easily as had occurred on previous occasions. On XX/XX/XXXX I was advised that FIA Card Services decided unilaterally and without any advance notice to me to close my account with no recourse to any review. The customer service representative simply told me the account was closed, she did not have any explanation for this, she provided a contact number for the account closure department and, upon calling the number, a recorded message stated the account was closed " for business reasons '' and that the decision was final. My wife ( also a card holder ) did talk to an agent on XXXX in the account closure department ( as I was travelling ) who advised that we would receive a letter to advise of this decision and the agent restated that the decision was final.

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 2017-02-05
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm in forebareance and want to sign up for XXXX, because I consolidated and it includes a plus loan Navient says I do n't qualify for program. Once forbearance ends my payment will be XXXX or more per month and I 'm retired and on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have recently paid {$940.00} to Navient to keep my account out of collections. They told me I would be entered into a program with a lower monthly payment, but they are now telling me I need to pay an additional {$4000.00}. They will not refund any of the money that I 've paid in the last month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My XXXX cash deposit turned into XXXX by magic, Went to do a cash deposit at bank of America on XXXX and XXXX at about XXXX yesterday, I had XXXX XXXX XXXX dls bills and the rest was all XXXX, when the teller count the money in the bill counter machine it was only XXXX, When I handled the money to the teller I had the money in My rear left side pocket, I leaned to the left to verify My pocket was empty, and then the money was short, Money was carefully counted before taking it to the bank, when shortage was discovered, money was returnes to Me, wen to My wife she drove home just to verify but there was nothing to be found, so I went back to the bank and made a {$2500.00} deposit and another {$280.00} deposit for payment to someone else, I went to the bank manager and reported the situation, He went to the teller and I think counted the money and everithing checks out ok, however I THINK the teller somehow separated some bills before they made it to the counting machine, I asked the Manager if they could see the tapes and He said tapes were for their protection and did not think that was possible but will try, This loss is great damage to Me and extremly unfair, I am sure I did not drop the money somewhere else,, I am blaming the teller please see if You can see the pictures or if You can help Me in any way

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX, XXXX reported card as lost, paid off balance, then locked the account. card was lost, but account had XXXX balance, no fraud to report. 

Lock  feature stated all future transactions would be declined. This is exactly what I wanted. new card arrived in the mail, I never opened the envelope, never unlocked the account. Account stated " locked since XX/XX/XXXX ''. 

On XX/XX/2020, a XXXX charge occured. I had not opened the envelope to even see my card, and the account still stated LOCKED. Called in a fraud notice, frustrated and confused how the account was " locked '', still stated it was " locked '', and yet a transaction had gone through. Customer service suggested that possibly someone had stolen my login credentials, logged in, unlocked the account, used my credit card ( which was still in a sealed envelope on my desk ), made the transaction, then logged back in, and re-locked the account. I asked how the transaction happened on XX/XX/XXXX while my account still stated " locked since XX/XX/XXXX '', and a supervisor told me that " sometimes the lock doesnt do anything. '' this is recorded on my call on or around XX/XX/XXXX, I don't have the exact date. 

I was told the account was closed for fraud, and a new account number was issued, and a new card would be sent out. Frustratingly, this " unlocked '' the account. I logged in, locked it again, and the new card arrived in the mail. I did not open the envelope again. I made sure the account was at XXXX balance. again, new account, new card, locked account, sealed envelope. 

XX/XX/2020, ANOTHER charge occured from " etsy '' for {$1.00}. I have not opened the sealed envelope to access my card number, and the account is still " locked. '' I apparently have no control over my own account, and routinely, it is somehow being given across the internet. If I don't log in regularly and report routine fraud, I would go into late payment, as I have not made any purchases since XXXX. 

Chase is not doing anything to prevent this, and will not answer how my account is being leaked with routine efforts to prevent this on my end.

Company response to consumer: Closed with explanation