BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I called Banana Republic ( BR ) to dispute charges to my credit card, as a person called and stated they needed to help me resolve fraudulent charges. A caller had me download an app and was able to access my phone to make charges from my credit card. After an hour, I contacted XXXX and XXXX  as well as BR about the charges. XXXX  has removed the charges as they found I was not responsible, XXXX XXXX the cards that were purchased so no purchases could be made. I have contacted BR multiple time and am currently in a second dispute. On XX/XX/XXXX I contacted XXXX out of the XXXX  XXXX office ; she stated I will receive a email in a few days, and looks as if charges will be removed. On XX/XX/XXXX I contacted customer services ; XXXX stated her needed to redispute, as there was no record of the dispute. XX/XX/XXXX, I spoke with XXXX, who sent a request to dispute Dept regarding the status. On XX/XX/XXXX, XXXX stated he need to make the dispute 2 separate charges because it was initially done as one charge. On XX/XX/XXXX, XXXX needed proof of charges made to bank account ; I sent proof. I received 4 letters since asking for examples of proof of payment that charges were made on a different card. I have stated to 3 separate people that they were not made on a different card, but that XXXX  and XXXX are the XXXX companies that resolved the dispute and XXXX made the cards purchased unusable. On XX/XX/XXXX, XXXX asked me to dispute again. On XX/XX/XXXX I contacted BR to make sure they received my fax. On XX/XX/XXXX I contacted BR because I was receiving notices to pay my bill, was is when I found out that I had to re-dispute the charges again.

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 2021-07-15
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Joint account, other authorized user never paid balance. Account has been charged off please remove from all 3 bureaus. This is greatly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Harris & Harris, Ltd.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being repeatedly called by a debt collector agency, Harris and Harris. I have checked my credit report numerous times and there is nothing in my credit file about owing any debts. To my knowledge, I also have not received a letter about any owed debt and I have no idea as to what they are referring to. As I do not believe I owe any debts and my credit report doesn't show any, I have no idea why they call me so frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-07-15
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit Card balance was charged off and nothing is due as of XX/XX/2018. Balance is XXXX. This needs to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an ACH payment for my 2nd draw of my PPP Loan. I went to my local Bank Of America branch to try to withdrawl the money and a XXXX hold was put on my account. They told me they had to verify wether the loan was in my name or not and to come back in 24 hours. The next day I call the fraud department that they tell me to call and the representative tells me they are still confirming the loan. After hanging up I try logging on to my mobile banking only to realize that I no longer can access my account. I proceed to go into the branch and the manager tells me my account has been closed. Its been only 24 hours and now my account is closed without any explanation as to why and they are telling me it will take 90-120 days for the investigation to finish before my funds can be mailed to me. They will not allow me the chance to prove my transactions are legitimate nor will they even give me a clear answer as to why it was closed.

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 2021-07-15
Company: Union Home Mortgage Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Number : XXXX Union Home Mortgage took over the servicing of my mortgage effective XX/XX/XXXX. The company is negligent in paying the homeowners insurance that is due. I attempted to reach out to the useless servicing email at the company and the reply was that the next payment for XXXX XXXX will be in XX/XX/XXXX. 

Proof attached shows that the XXXX XXXX XXXX XXXX is DUE on XX/XX/XXXX for a total amount of : {$1400.00}, also, attached is proof that Union Home Mortgage was mailed the declaration pages.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: NC
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 number : XXXX Amount : {$200.00} XXXX XXXX Account number : XXXX Amount : {$30000.00} XXXX XXXX Account number : XXXX Amount : {$250.00} XXXX XXXX  Account number : XXXX Amount : {$98.00} XXXX XXXX Account number : XXXX Amount : {$21.00} XXXX XXXX Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX XXXX Account number : XXXX Amount XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating 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 non-monetary relief
Consumer complaint received 2020-07-31
Company: DISCOVER BANK
State: MD
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:
I have a loan with XXXX, XXXX XXXX XXXX, DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX ( XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-07-15
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice of debt collection, but do not recognize the account.

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 2021-07-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This will be my second or third complaint with Equifax consumer services, about the matter of the same issue. I have two unauthorized inquiries on my credit report with Equifax. At first I was told that the inquiries had been removed but got a letter stating that the inquiries had been deleted, then I obtain a copy of my credit report to my surprise I see that the same to inquiries had been put back on my credit report without my knowledge. I called in and was told that I needed to send in a copy of my police report I made with the local state police department in my town, along with a copy of my identification i.e drivers license, and also a list of with the inquires along with the dates of each inquiry. I faxed in those documents XX/XX/2021. I called back and spoke to an agent, I was told by one agent in particular who works with unauthorized inquiries in the fraud department name ( XXXX ) that I would have to provide a police report and a copy of my identification. I told him sent them in and then I called and explained to him my situation and told him that I had been trying to get these unauthorized inquires removed from my credit report for a bit, and he was very insensitive to my situation and told me that my police report that I had made was invalid, and that I would have to make a new police report with the stated inquiries listed on the police report because " it is what the law states. ''. Why wasn't this knowledge made known to me when I first notified you about my unauthorized inquiries? Why do I keep getting the runaround about two inquiries? I understand that pursuant to the FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) states that all you need is a police report claiming identity theft and a " copy of a standardized affidavit ''. I have provided both and still no resolution. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I consolidated all of my federal student loans with XXXX and made my first payment towards XXXX XXXX Loan Forgiveness ( XXXX  ) on XX/XX/XXXX. In XXXX I learned that XXXX mistakenly did not consolidate all of my loans and my Income Driven monthly payments were being applied in pieces to multiple sets of loans. I immediately sent written complaints to XXXX The U.S Department of Education, and any other authority that could take action. My argument was XXXX XXXXs expectation to have me realize their mistake early on was illegitimate because my monthly payment was based on my income and knowing how they were applying it was not information that would benefit me given that it was XXXX I was pursuing. In XXXX of XXXX I received a letter from XXXX that indicated that they recognized the error they made and I was informed that all of my loans were now consolidated into one ( as I originally requested in XXXX ) and that every payment I made would be retroactively based on my XX/XX/XXXX consolidation. What this means is that my XXXX clock should have began XX/XX/XXXX on my entire student loan file. Please see attached letter. When I recently moved my loans over to Fedloan Servicing ( as required for XXXX  ) and requested the status of my progress towards XXXX they sent me a chart indicating 11 different Federal Loans with three different estimated dates to qualify for XXXX. The estimated dates of qualification range from 16 months to 21 months after the date I had in my mind of XX/XX/XXXX ( 120 months after my first payment post-consolidation on XX/XX/XXXX ). The letter I received from XXXX in XXXX is attached. I should have one date of expected eligibility, not 3. And that date needs to be on or near XX/XX/XXXX, not XX/XX/XXXX like the estimate I received in the mail states. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Block, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Today, XX/XX/XXXX at XXXX, I sent XXXX  XXXX XXXX $ XXXX, {$50.00} through the CashApp platform. I had never set him money before so through my contacts on the app I scrolled down to his phone number, selected it, and sent the money. AFTER it was sent, it showed me in the completed transaction receipt, that it was successfully sent to someone named XXXX XXXX. It did not go to XXXX. At the same time I called their customer service, he did as well to find out why his number was not linked to his account. I had already requested a refund from XXXX through the app. He had recently had to make a new cash app account, but his prior account had a balance of {$80.00} that after 2 hours of disputing through call and chat ultimately could not be transfered to his new account and they couldnt tell him why not. After insisting on more info and help to retrieve his money they couldn't/would n't continue to help him. He provided all info they requested but still wouldn't continue to help. That plays a part in my problem in that they should make everyone verify that their phone number is linked to their active account before ANY transactions are made. But on his, his phone number is fairly new so whoever had it before still had their cash app account linked to it and they let XXXX open an account with just his email. So when I sent the money it went to the other person, XXXX. There are so many flaws in this app design, but honestly I believe to cash app, they aren't flaws, but how they make their money and its not right. I looked up XXXX on XXXX and tried to contact him that way hes just a kid, but he hasn't posted since XXXX. What if he moved back to XXXX? What if by whatever reason he has no access to that account or notifications from it? Upon researching, there isn't even an amount of time that has to go by that it sits there, not being accepted, that they will refund it back, it just sits there forever, or its theirs, ( cashapp ) which is more believable. Now im out the {$50.00}, he's out the {$50.00} as well, AND he's out the {$80.00} they for some reason can't transfer from his old to his new account. This is beyond XXXX and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After several intimidating phone calls from XXXX XXXX XXXX XXXX, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.

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 2020-07-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Midland Credit Inc. contacted my employer in XXXX looking to speak with me regarding a debt collection attempt, and have contacted my employer on other occasions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX  has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with explanation