BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as SYNCB. I immediately called Synchrony Bank advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted Synchrony Bank to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called Synchrony Bank again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX   XXXX Police Department. 

I am highly upset about this whole situation because Synchrony Bank have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.

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 2016-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Basic nonchecking account at Chase Bank referred to as a Chase Liquid account basically a prepaid visa card with no check writing privileges. When I opened the account they did a full check systems background check and found an account from 2012. The statue of limitations in Ca. is 4 years for collecting a debt so the Banker called to make sure it was cleared. She was very helpful she then called the Chase department that handles this by phone to get the approval to open my prepaid visa account. They sent the approval by computer. She then opened the prepaid visa account. Of course buying a prepaid visa at a grocery store you go through none of this. I put XXXX Dollars into the account and was given a prepaid debit card. A week later I received a letter. Canceling my prepaid debit card and notifying me they will be mailing my money back in 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
Cancellation of debt was submitted to the IRS by Chase bank/credit cards, on our XXXX tax return. We were unaware of this practice. We were notified in XXXX XXXX, XXXX, of {$980.00} and made payments toward the debt. In XXXX XXXX, XXXX the reminder balance or {$740.00} was deducted from the XXXX tax return. I have submitted supporting documentation to the XXXX, XXXX and XXXX of the final payment and wished to have debt removed to XXXX balance and closed also, the XXXX chase accounts are old XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: William D. Meeker Enterprises, Inc.
State: GA
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 recently called XXXX at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  XXXX and Transunion. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX, Trans Union I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion and XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion, XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX and Tranunion have done, for thsi account is and never has been mine

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 2020-04-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My problem involves fees charged on my credit card through Synchrony Bank. 

I owe {$94.00} per month on an installment purchase. The {$94.00} was paid on time in XXXX and XX/XX/XXXX. The XX/XX/XXXX payment was paid late. In XXXX I made a payment of {$110.00} which included a {$40.00} late fee for XXXX. The late fee is one of my problems. How can they charge a {$40.00} late fee on a {$94.00} amount owed? 

I was traveling XX/XX/XXXX so I paid the {$94.00} due in XXXX early in late XXXX before the bill was received. Then in XXXX I received a bill for {$130.00} with a late fee of {$43.00} for a total minimum payment due of {$180.00} How can I be charged a late fee again? How is the bill for {$130.00} when my agreed to payment is {$94.00} and the previous bill was paid in full? Especially when the XXXX payment was received in XXXX before the XXXX due date. I paid the {$180.00} by the due date of XX/XX/XXXX. I just received my bill due XX/XX/XXXX, for {$110.00}. When I called to dispute the charge, I was told that I had not paid all the fees. I asked what fees? I paid the last bill in full which included Amount Past Due. Why am I now being charged more than the installment fee originally agreed to? 

I was told there were other fees that I had not paid. I said how would I know there are other fees when the bill before this one included Amount Past Due and it was paid in full. 
They had no answer for that. I think they just add on fees whenever they want. 

Please address this issue. I have gone on line and found that other people have had problems with this bank. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. 
I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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:
A incorrect error was placed on my XXXX, XXXX, and Transunion credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from XXXX XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of XXXX via XXXX mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my XXXX information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd TransUnion said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.

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 2022-04-09
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and i reported the theft immediately after learning of the theft. 
Through CFPB i have requested to the Creditor to provide me a copy of the application that was used to open the fraudulent account ( FCRA 609 ( e ).

Thus far the Creditor has denied my Rights under FCRA 609 ( e ).

I do know for sure that some of the information on the application that was used to open the fraudulent account is inaccurate to my identity. ( 1 ) The email that was provided on the application is NOT my email and never has been.

( 2 ) The phone number provided on the application is NOT my phone number and never has been. ( 3 ) The employer information submitted on the application is NOT correct because i have been XXXX since 2007 and on XXXX, no employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with chase, checking account since 2010. About 3 months ago I was charge a NSF for a transaction I made a few hours Pryor to my direct deposit posting, which they post the same day. The CSR explained that he was unable to credit me back the NSF charge. So, I advise the CSR to take off that option for overdraft protection. He stated that he will remove and said that if funds are not available any charges I 'd make will be declined. I agreed to that. Well here I am 3 months later ... .made some transactions and went to check my account on payday I was charged XXXX NSF of XXXX each ... .My mouth dropped. I called chase bank and explained that I spoke with a rep 3 months ago to have over draft taken off. The CSR stated that It was n't off and she can not credit my money back. She said she will forward the information to her manger and they will review the call and give me a call back. Well its been 2 weeks, still waiting on the call and my money. What are my other options?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for a forebearance with my loan servicer Nelnet. I was granted the forebearance from XX/XX/XXXX- XX/XX/XXXX. I was granted an Administrative forebearance for XX/XX/XXXX-XX/XX/XXXX. My accounts show no past due payments. My accounts have been in forbearance off and on a few years. Nelnet is reporting my student loans as 90 days past due in XXXX XXXX and 120 days past due in XXXX XXXX. They are refusing to update my credit report despite granting a forbearance. They are refusing to provide written documentation on company letter head stating my accounts were in forbearance from XX/XX/XXXX- XX/XX/XXXX. They have provided documentation for XX/XX/XXXX- XX/XX/XXXX verifying my accounts are in forbearance. I 've repeatedly asked for this document. I was sent conformation in the form of an email directly from their company email address. They are denying their employee sent this, even after offering to provide proof. They will agree to verbally tell any lenders that my accounts were in forbearance during the months of XX/XX/XXXX- XX/XX/XXXX with my permission. Their verbal conformation does not fix the adverse effect that their false reporting is having on my credit score. This has caused request for credit, mortgage loans, and auto loans to be denied or calculated at a signifigantly higher interest rate. They have verified this false reporting when disputed with XXXX, XXXX, and XXXX. This is against the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2018-05-30
Company: Experian Information Solutions Inc.
State: AZ
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:
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2022-04-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
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. I have the 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I had earlier filed a complaint regarding to XXXX on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking XXXX to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a charge I did not recognize on my account. I have reported this to my financial institution, Chase, and was denied with the reason that I approved the charge at the time of the transaction. However, my wife and I do not remember having a conversation with Chase about this charge, yet, when we noticed the charge, we did speak with each other about finding it odd that Chase did NOT call immediately before allowing a charge like this to post to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: AZ
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:
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Jon Barry and Associates, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is being illegally reaged by this company. I have had this debt removed from from my reports by the credit bureaus several times and they keep reaging it and reporting it as new.

Company response to consumer: Closed with non-monetary relief