BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other fee

Complaint:
I have XXXX accounts with synchrony bank. I spoke with XXXX ( Supervisor ) @ paypal because this company keep going in my bank account taking money out of my account without my permission. She told me that my bank has to refund my insufficient funds because it was not their fault that my account did not have the funds in my account. I explain to her I do n't have the money in my account and my account was overdrawn. She told me they was going to have to go in my account two more time to try to collect the money. I told her I did not have the money, she did n't care what I had to say. I had to close my bank account because they refuse to not listen to me. She made it seem like paypal has right to go into my account without my permission. Secondly, I have XXXX other accounts with synchronary bank. I had told XXXX today I 'm declaring hardship because I have XXXX credit cards and the interest and late fees I ca n't afford he refuse to help me because I ask him with they take the late fee off my Gap, Old Navy, and Banana Republic and XXXX me he was not able to help me. I been calling them for the last 4 months and they will not help me.

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 2021-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I called this number thinking it was XXXX. A man answered advising his name was XXXX and he said he would be able to help me with my account. I got a message when I logged into XXXX advising that my account was locked due to suspicious activity and that I needed to call this number XXXX. He said I needed to verify my account and they way I would be able to do that was by transferring money into my account. I wire transferred money into what I thought was my coinbase account and it was actually someone elses. There is activity of a wire transfer for {$18000.00} to a domestic account called XXXX XXXX XXXX. I called the wire transfer people as soon as I realized it was a scam to try and cancel it and I also called XXXX XXXX XXXX  but they said there was nothing they could do. I have attached everything to this as well for any numbers you might be able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the Equifax data breach and May have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for XX/XX/XXXX and XX/XX/XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I contacted XXXX  to file a dispute against fraudulent information reporting on my consumer report they still never took down. The original creditor is XXXX XXXX emergency XXXX which they sold the debt to Phoenix financial services and Phoenix financial services are asking me to pay them {$430.00} this account was opened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Optimum Outcomes, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars 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 2018-05-29
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: Account status incorrect

Complaint:
On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.

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 2015-10-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
I applied for credit with Synchrony Bank XXXX FL and was turn down because their system said my credit score is too low [ XXXX ] this is not correct my score is XXXX XXXX and XXXX XXXX I feel this is Discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NY
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a CareCredit card to pay for XXXX. I picked up a pamphlet from my dentist 's office and applied online, with the understanding that it was a standard revolving loan. I was unaware there was a promotion wherein I would unknowingly be accruing interest to be tacked on at the end of the promotional period if the full balance of the loan was not paid off. I made payments on my loan and in XXXX 2016, I received a bill with $ XXXX dollars in accrued interest. Additionally, the accrued interest put my balance over my credit limit, which caused me to incur more fees. CareCredit has deceptive advertising and application processes and preys on people who are facing dental and/or health issues and need to find a way to pay for the procedures. I never received CareCredit 's required disclosures in the mail and was not provided adequate guidance regarding the loan 's terms during the application process.

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 2015-08-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Before I took out a payday/installment loan with Cash Central, I specifically asked the telephone representative about credit report reporting. The rep told me reporting only happens in case of default. I never defaulted yet this has been reported to the credit bureaus and is hurting my credit for having this type of loan. CC sent me the loan agreement which reads : " '' CREDIT REPORTING : We MAY report your performance ... to credit reporting agencies ... You specifically acknowledge and agree that we may disclose any DEFAULT by you under this agreement ... to credit reporting agencies. '' Yes, I agreed that they could report to DEFAULT. I never defaulted so nothing should have ever been reported. I want all Cash Central entries removed from all of my credit reports. I was lied to by the telephone rep and the signed agreement clearly only says reporting will happen in case of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have sent countless disputes regarding fraud on my credit report. These accounts aren't mine and have been removed off of XXXX, but XXXX  and Transunion aren't processing the dispute and not sending me letters in the mail ... .. 

I am demanding them to block these accounts within the legal time frame pursuant to section 605B of the FCRA. My rights are being violated!

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 2015-06-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continuously call every single day. They call XXXX times a day at all hours of the day. Sometimes it 's minutes after XXXX and there have even been a few after XXXX. They call when I 'm at interviews, doctors appointments, etc. I ca n't even take a nap because they keep calling. I was told that I could contact them once I was able to discuss a payment plan and I even asked then several times to stop calling me but they do n't. The harassment is stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, XXXX, and Experian ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )

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 2021-07-27
Company: EQUIFAX, INC.
State: LA
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 had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My in laws pass away within XXXX month of each other. When we got to the car loan info going through their stuff, we communicate with Chase auto to inform the desire to keep the car and that we were in the probate process. We ask for the info on debt and how much we need to pay. They informed me I was not authorized to get info. I ask what need it to be done to get the authorization and they said nothing ( which it was a lie because I found out there was a process ) I beg to tell me any process to get authorization and informed of the probate process again they said nothing can be done. I made a payment blindly and XXXX weeks latest the car was repossessed for late payment. When I contact my lawyer he informed me that with an affidavit and a letter fro the executor I could be authorized. We did this in less that XXXX hours and after submitting the paperwork I was able to find out about the late payments. I complained about no been giving the info necessary to get authorized and they allow me to get the car back and said they will waved the repo fee. For XXXX years I have been paying the loan and asking why the fees are not wavered. They apologize and said will be taking care of. Finally we pay off the car and now they want me to pay the repo fees they said was waved for the last XXXX years. Every time I call the hang on or transfer me to XXXX different department and said it will be waved. Today I got a call saying that if I want the title of the vehicle I have to pay the fees. I informed them this was supposed to be waved XXXX years ago and they responded by saying nope, you have to pay the fee if you want the title. This is ridiculous and have put our family through XXXX for XXXX years as we grieve the lost of XXXX family members. I cant stress how hard this has been and now they are holding the title XXXX and stoping all the probate proceedings until we pay a fee they said it was waved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: PA
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:
On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. Equifax, XXXX XXXX

Company response to consumer: Closed with explanation