BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: SYNCHRONY FINANCIAL
State: OK
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:
SYNCHRONY XXXX MASTER CARD ACCOUNT. 

My wife and I have thousands of dollars of apple charges over several of my synchrony credit cards. 

We found these charges in XXXX and submitted a dispute. Only the charges were reversed. Synchrony keeps the other half of the fraudulent charges on my account. 

But in XXXX of XXXX, we found that XXXX and synchrony had continued to allow these fraudulent charges to continue. 

We contacted XXXX and were dismissed, telling us that I authorized the charges. Refuses to look into the charges. XXXX locks my account up and refuses to work with us. XXXX doesn't want to give back the profits they had made on these fraudulent charges. 

We contact Synchrony for help. And we were able to dispute over XXXX worth of fraudlent charges. And this amount is for the charges over XXXX, and we hadn't had the chance to fight the hundreds of the smaller amounts. 

At first, Synchrony 's premier mastercard was friendly and submitted all the disputes. They canceled the credit card and told us that we would receive letters in the mail from the fraud departments. These letters would give us contact information to send in any paperwork and phone numbers. 
The only letter we got was our new credit cards. 

It's been over thirty days, and we haven't heard or received any letters from Synchrony. No calls, no emails, just silence. 

We disputed on XX/XX/XXXX, and On XX/XX/XXXX, we started to see that they were adding the charges back on LIKE they were balance transfers. They added these charges as balance transfers without telling us why or what XXXX said. 

I have provided a snip of the charges being added back. What I see is that synchrony is adding them back as BALANCE TRANSFERS. I'M NOT PAYING THESE FRAUDULENT CHARGES, AND I'M NOT PAYING BALANCE TRANSFER FEES. 

This is crazy ; we didn't authorize these charges. And XXXX is refusing to do any investigation, and now Synchrony is refusing to help us. What do I need to do? I'm waiting to hear from Synchrony, but they refuse to respond to us. I want to work with Synchrony, but Synchrony is refusing to work with us.

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 2022-08-11
Company: Harris & Harris, Ltd.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was prescribed a XXXX XXXX through the company XXXX, XXXX XXXX I was told by my doctor at XXXX XXXX XXXX and the XXXX representative, that my health insurance, which is XXXX XXXX XXXX, had pre-approved coverage of the unit and would cover the charges ( approx {$720.00} ) for the equipment and that my only out of pocket costs would be {$25.00}, which I paid. In XXXX, I began getting phone calls from XXXX XXXX XXXX XXXX regarding billings of over {$2100.00}. I advised the caller that I have never received nor agreed to receive any services from XXXX XXXX XXXX XXXX and that my only relationship with " XXXX '' is that they are my health insurance provider, paid for by my employer. I called XXXX, to check to see if I had a balance, and was told that my insurance had covered the charges and I have a {$0.00} balance. I requested an itemized ledger showing insurance payments and a {$0.00} balance. I have since gotten multiple collection notices from Harris & Harris , Ltd for {$2100.00} under reference number XXXX. I disputed the debt via first class and certified mail to Harris & Harris in XX/XX/XXXX and also reported the fraudulent charges/collection attempts to the Oregon Insurance Commission in XX/XX/XXXX, but it hasn't yet been resolved but I received a refund check for {$25.00} from XXXX as `` collection in error '' ( I did not cash that check ). Around XX/XX/XXXX, I received multiple notices again from Harris & Harris of each individual account being split up and using separate " reference numbers '' ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), all totaling {$2100.00}. I again, have written to Harris & Harris , Ltd, disputing this debt and addressing the sneaky attempts at continuous collection tactics. Either XXXX XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX have committed contract and medical fraud, surprise billings, account/personal information exchanges which is also a direct violation of my HIPAA rights XXXX and Harris & Harris is aiding by using sneaky repeated collection attempts after being notified of the disputed debt, which is illegal debt practices and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
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:
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter XX/XX/2018 to Trans Union which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Trans Union but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.

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 2017-11-27
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:
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d.  Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015

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 2020-05-04
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 I received a call from One Advantage collection agency. I did not know this was them until I voluntarily allied them back and they ID self. To start the call the representative named XXXX asked what balance and account was before every verifying me or giving me any information whatsoever. Extremely strange and from What I know an FDCPA violation. After this she aggressively kept asking me what my date of birth was while refusing to answer any of my questions. I asked for a supervisor several times and she kept saying I can get a voicemail. She would not tell me if her company was a first party or third party collection agency. This call was horrible from the jump and very unprofessional. She ended up terminating the call on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. 

I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX and Experian has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on EXPERIAN website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on XXXX several times in past and to EXPERIAN AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!

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 2019-04-27
Company: Experian Information Solutions Inc.
State: CA
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: Billing dispute for services

Complaint:
XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.

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 2020-05-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a rate and term refinance on my primary home, With Chase. And they denied me, supposedly due to not enough reserves in my account witch was incorrect. then I refiled and the agent said that the computer logarithm accepted my file. yet again underwriting denied me, and asked for an explanation but no one can explain the math of how they arrived at an incorrect debt to income. My tax returns show an income of $ XXXX yet I'm told that the underwriter arrived at {$44000.00}. The math is simple. But I am not being represent wright. 
I am not sure if it's redline or chase just doesn't want to lower my rate because they'll make less on the overall life of the loan. 
But I think that during these unprecedented times with covid_19 chase should do the wright ting for a healthier future of their client. 
How was I eligible for a loan in the first place with a lesser income but now with a higher income a can't even refi. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from 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 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, On XX/XX/2020, my car was T-boned and declared a total loss. Everything is covered by insurance but the problem with Hyundai Motor Finance " www.hmfusa.com '' they are not updating the information on the account and I'm forced to make payments at every beginning of the month {$370.00} lease amount and if I don't pay it becomes past due and affects my credit score. My insurance requested a letter a guarantee and nobody responded since XXXX. My insurance tried to reach them on numerous occasions with no callback or response from HMFUSA. I am thus forced to pay monthly payments for a vehicle that I do not own anymore and that is not being paid off due to HMFUSAs failure to get this issue resolved. It is my understanding that HMFUSA is delaying the payoff on purpose to obtain more money from me rather than apply my gap insurance. HMFUSA is taking advantage of the pandemic, myself, and is acting in bad faith. On XX/XX/2020, I received a confirmation letter from Hyundai Finance that my " insurance company notified Hyundai Motor Finance that your vehicle was deemed a total loss. '' Since then for las couple of months I, my attorney and my insurance company trying to reach the HMFUSA but the company is not responding. I did email then with the request to update the information on my account and nobody is responding as well.

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 2019-04-27
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
You did not offer an appropriate response, so I will explain. 

I went to open 2 new CD accounts at a bank I already had an online savings account. When I went to fund them, it insisted that I enter dollar amounts for all 3 accounts, but I didn't want to add money to my savings account, so I entered {$0.00}.

I found out days later that this actually created a 2nd Online Savings account, which I did not ask for and do not want. I also found out that instead of funding the 2 new CD accounts from my external bank, it funded 1 of them from my external account, but withdrew the other money from my online savings account, which again, I did not want. There was no warning that this would happen. I think their software is messed up and not properly tested.

You can not contact this bank electronically, which is a major problem, since I have a hard time doing this during business hours and do not have access to my data from my workplace.

I would suggest you ( CFPB ) add " Other '' to your choices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions 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 have lived at the same address since I was XXXX  years old, over 55 years, and I have never used any other address. The address listed on my credit report of " XXXX XXXX ", is totally fraudulent as no such address exists and I request that it be permanently removed immediately. In fact, the U.S. Postal Service stopped using XXXX XXXX addresses many years ago due to XX/XX/XXXX. Therefore, there are no longer ant such addresses. 
I contacted Experian by letter of dispute on XX/XX/XXXX and approximately one week later, Experian refused to remove the fraudulent address.

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace

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 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ACCOUNT listed below is still reporting onmy credit report which is a violation of FCRA. The Experian Bureau failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed toproperly investigate the matter by using a third party as their verification provider and havecontinued reporting the unconfirmed & unverified information. Given all my attempts toaddress it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please removethe account below in my file : XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2019-04-27
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

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 2017-11-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received this card without requesting it and with no explanation attached or printed on the card, that this was an offer. I thought it was a replacement card for an existing pre-paid card I had but when I went to the site, it was asking for my social and date of birth. I found that suspicious, along with the card having a XXXX balance. When I called the company, NetSpend, to ask where this card came from, I was again prompted to enter my date of birth and full social. I declined and was transferred to an agent who then said that this was an offer and if I activated it ( after providing all my info ) I could use the card for paycheck deposits and such. I never requested this card, nor did my employer distribute these cards for paycheck deposits. It is very suspicious to request that information to activate the card without providing a description of what the " offer '' is. NetSpend should be required to fully explain what this card is and why the recipient is in receipt of the card. Appears to be a phishing scheme that NetSpend has gotten away with for years.

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