BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX BANK XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.

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 2016-06-25
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is concerning a debt I found on my credit report last XXXX ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce in XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt in XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail in XX/XX/XXXX due to it being forwarded by the person with a XXXX I was divorcing ). I have tried calling this creditor at least XXXX times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XXXX XXXX of this year trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.

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 2020-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported a card stolen XX/XX/XXXX, received a temporary card XX/XX/XXXX. Was in an accident and provided a rental car by my insurance. I provided the temporary card void of my name to allow a {$200.00} temporary hold on my account. Insurance adjuster took 2.5 weeks to appraise damage and finally did so right before XXXX. Auto shop was worried the car wouldnt be fixed within 30 day window. I was in contact with insurance and complained the amount of repairs was equal to value of car, now add in the rental which would now be late, due to the adjuster, and this couldve been avoided had I just been issued a total loss, my claim became much more costly than it needed to be which was not my fault. Claim rep agreed with me and promptly refused to speak with me after agreeing. I also missed out on XXXX  biggest discount of the decade due to the untimely process of the insurance. I was angry but thought I put this all behind me, traded in the car, and got a new vehicle without the employee pricing that cost me thousands, and moved on with my life. XX/XX/XXXX was hit with a {$1300.00} charge for the rental car that my insurance paid for. No bill or attempt to notify me of an outstanding balance was ever received from XXXX XXXX XXXX. No alert or permission request from Bank of America was ever received. I submitted a complaint of fraud to my bank that was denied. Is my bank allowed to accept charges on an old expired card without any authorization? If I was responsible for these charges I would have figured out what was going on by contacting my insurance XXXX XXXX, and XXXX, and try to get to the bottom of this. But instead my bank took the liberty of removing 50 % of my account funds without my authorization on a non recurring transaction along my ability to dispute any claims. I could have argued some of the charges, I could have told my insurance I needed a new claim rep who would respond to my daily phone calls, even when I spoke with other reps and was promised a return call one was never received therefore I have no clue what they paid if anything. My bank who I trusted to protect my money gave away any ability to dispute these charges with Updater services and a Forced Authorization without me present and without my PIN, after a card was reported stolen, you would think these convenience features would not be allowed. What stops fraudsters from doing the same thing on a stolen card? PleAse help!

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: CA
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX BANK XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and XXXX  and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.

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 2015-08-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.

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 2020-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An account holder with JP Morgan Chase bank at XXXX XXXX XXXX XXXX in XXXX, Ca using a scam that included fake identity, fake documents and stolen leterheads representing and pretending to be a claims manager ( XXXX XXXX ) for a real bank in the XXXX ( XXXX XXXX ) received a wire from my business in the amount of {$50000.00} on XX/XX/2020. Upon recognizing this scam I immediately went to my bank where the wire was sent and tried stopping the funds as they alerted Chase bank that it was fraud and that the wire should be stopped immediately and also investigated. This was all done within 24 hours of the sent wire on XX/XX/XXXX. Not only did Chase not investigate this transaction, they waited almost 2 days before they even tried to stop this. Nobody at Chase bank wanted to help me or speak to me and I was transferred 4-5 times and was finally told that they would only speak with someone from my bank. Chase finally responded to my bank that their account holder ( XXXX XXXX account # XXXX XXXX took my wire money several minutes after it was sent and there was 'nothing ' they could do. I filed this with my local FBI bureau and local police. I believe Chase has a responsibility to investigate fraud and suspicious criminal activity and return this money since they and most all banks have some type of fraud insurance. Their response to this was unacceptable as they gave favor to their fraud account holder and offered no help for the victim. I have tried numerous times to contact the fraudsters but they now refuse to communicate since they have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
old account / over XXXX years oldwas previous deleted now Reinserted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been attempting to work with Navient to obtain a reasonable repayment plan for my student loans. Currently I am under medical/physician care  and have effectively been placed on XXXX   XXXX. In essence, I have not been released to seek either part-time or full-time employment ( see attached physician letter ). Therefore, I have limited financial resources to pay my debt obligation. I have consistently contacted ( mostly by phone ) Navient to request relief and/or to make payments under the current arrangement. The dates for my most recent phone calls to Navient include, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Said payment arrangement requires a monthly payment of {$170.00}, which I am unable to manage. When I have called Navient to inquire about alternative options the representatives have literally either told me to liquidate my 401K and pay them {$30000.00} to settle the account or that regardless of my medical situation that the loan has to be repaid. I have essentially experienced extremely rude and uncooperative behavior from the representatives. When I have requested assistance from a manager, the manager only recommended that I seek financing elsewhere to satisfy the debt. Again, due to my medical condition this is not a viable option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other fee

Complaint:
My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
WALMART MASTERCARD / Synchrony Bank blocked my credit card a month ago. Then, they blocked my online access, so I ca n't even pay the bill. They do not want to speak with me saying they do n't know who I am. They could not be any more difficult. Most banks know how to appreciate your business. Not this one.

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 2020-03-19
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: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

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 2016-07-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!

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