BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the day of XX/XX/2018, I was scrolling my XXXX page when I saw a page for offering discount goods, like sneakers and cell phones. I direct messaged the seller per their request for " serious inquiries only '' when I firect messaged the seller, they responded within the hour. I asked was there an XXXX XXXX available for sell and the answer was " Yes '' the person said it would be {$420.00} that's including 2 Day shipping. On the page, the seller takes XXXX, XXXX XXXX, etc which I used XXXX, I also screenshotted our conversation. XXXX requested a First and Last Name, along with the sellers email. Once I transfered the funds it was rather late. So I tried contacting the seller the next day asking for a tracking number, they did not respond, so I waiting until after my classes which I would be in all day. When I tried to contact the seller again, our conversation had been deleted and I was blocked that's when I knew I was scammed. I tried contacting him through a different profile asking him amount my funds and phone, I was blocked again. His XXXX name is XXXX the email he gave through XXXX he also has another email listing on his XXXX I did not message him through email out of fear of being blocked through there. I let him know that I had been saving for months, which I had, to see if that would gain some regret in the seller, it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Payfare International Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 someone gained access to my XXXX XXXXPayFare account by scamming me with a fake customer service call. I have since tried on MULTIPLE occasions to speak with customer services to be reimbursed for the money that the scammer used as well as the charges charged by them for a replacement card. I have been assured on 3 seperate occasions someone would reach out to me within 24 hours and I have not been contacted once. I have had to reach out to them each time. To this day, XX/XX/2023 I am still receiving notifications that someone is attempting to charge my XXXX card for purchases that are not authorized by me. They will not deactivate the card or the account until it is investigated, so meanwhile I am forced to allow this scammer access to my account and money which also means I am unable to XXXX  for fear that any money I would earn they would immediately take from me. I can not just close the account because that would mean I have no history of the scam/money being taken. I have responded to multiple emails but am told that my case has been closed twice due to lack of communication, even though XXXX customer support are the ones not responding to me. I have been issued 3 different case/reference numbers. Every time I call I am told I just have to wait for the investigation to be completed and each person says they are escalating and putting it as urgent. I have been hung up on by customer service agents on 4 different occasions. On XX/XX/2023 I was charged {$5.00} for a replacement card fee that I did not initiate. On XX/XX/2023 the scammer redeemed {$8.00} of rewards on my XXXX debit card, as well as initiated a {$13.00} direct deposit. They linked my virtual card to their apply pay account. I was then told to report the card as stolen rather than customer service just deactivating the card. This automatically issued me another XXXX card, so I was charged another {$5.00} replacement fee. On XX/XX/2023, the scammer still had access, even though the representative said everything was taken care of, and in turn charged {$8.00} to XXXX. I called and told support that this person was still using my account and so was told I just had to wait. On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 the scammer attempted to make purchases. I am not comfortable knowing this person has access to any part of my account and no one at XXXX/PayFare seems to care. This person has my personal phone number and I do not feel safe and they will not do anything about it. I am missing out on money because I am unable to XXXX  without fear of having money stolen from me again. It should not take TWO WEEKS to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with Synchrony Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my three credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXX  about thirty miles away from my current residence. I did own a home nine miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with TransUnion that indicated there was a credit inquiry by Synchrony Bank on XX/XX/XXXX. It was about the time I made a purchase from CARID for tires and wheels for $ XXXX I actually took a three payment offer through Affirm that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.

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 2023-08-09
Company: Loan South Finance & Tax Service of Troy, LLC
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am desperately trying to keep my home, and have repeatedly requested resolution thru a Loan Modification. Yet because I originally questioned the validity of the initial modification offer that was sent to me, and requested an explanation of some unsubstantiated charges, they have denied me the offer. 
Now they are saying that I no longer qualify for any modification??? 
All because I delayed accepting something that I informed them was inaccurate. So they have now began a retaliation against me, by denying me any modification, and filing a foreclosure. 
I again " PLEADED '' with then to avoid litigation, and assured them that I wanted to work it out, but they have repeatedly refused, and now I have had to hire an attorney, and now have a large amount of additional legal fees, because of their poor communication. 
Additionally, they ( Mr. Cooper ) has continued sending me conflicting amounts that am supposed to owe?? They communicate very poorly, and I am still very confused and frustrated. I would just like to get this resolved. - ASAP - " PLEASE ''!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called XX/XX/XXXX ( Portfolio Recovery Associates ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided XXXX names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with Portfolio Recovery Associates, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe Portfolio Recovery Associates to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in continuation to the complaint ID XXXX XXXXXXXX. After I filed complaint in XXXX, company ( Hyundai Motors USA ) contacted me and assured that the corrected credit report will be sent to all credit reporting agencies and my credit score will be fixed but recently my mortgage lender informed that my credit score still low ( which only happened so low in my lifetime due to incorrect reporting by Hyundai Motors ). I don't want suffer anymore due to Hyundai Motor 's fault and request CFPB 's intervention to make it a case study and make sure no one in future should suffer like me by big automobile companies in the country. I understand that my suffering is nothing for them even if it is due to their ( Hyundai Motors ) fault but this will be a wrong signal to the consumer at large.

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 2021-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my XXXX XXXX Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : Fifth Third Bank NA Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-04-05
Company: Phoenix Financial Services LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our VA mortgage in XXXX of XXXX. For background purposes, our mortgage servicer did not pay our taxes in XX/XX/XXXX nor did they pay them on XX/XX/XXXX. Prior to our paying of our taxes on XX/XX/XXXX, no agency paid our taxes. On XX/XX/XXXX of XXXX, we received a notice from our town tax collector that taxes were past due and that due date was XX/XX/XXXX. I immediately that same day paid those taxes and they were all the taxes that were due for our home. There were no back taxes paid or due, then or now. Next taxes due on the home will be in XX/XX/XXXX. No taxes are due until then. We submitted the receipts for the taxes that we paid to our mortgage servicing company to get a refund from our escrow account. After much struggle and a lot of disinformation from them, we finally received our money back. However, now the mortgage servicer is stating according to RESP regulations they must collect more escrow money to pay our taxes due in XXXX of XXXX. They state that due to a 3 % tax break being offered by our town they must pay it earlier than the due date. Again taxes are due on XXXX XX/XX/XXXX, not before, and this is the date we choose to pay them on. Although I asked for the RESP regulation they were basing their decision on, their representative could not provide it for me. So we researched it and found a RESP regulation that they may be referring to, 1024.17 ( d ) ( 2 ) ( 1 ) ( A ) to have us pay earlier than the due date. We feel they actually violated this same regulation by not complying with it and also 1024.17 ( c ) ( 2 ) were they did not produce an initial escrow analysis that they followed. Also, in the same regulation part K, we put in writing we do not want taxes paid in advance because we cant afford to pay them early. In fact paying them early increases our mortgage some {$140.00} which will jeopardize our ability to even pay the mortgage at this higher rate. So basically the mortgage servicer is now wanting to collect {$1300.00} in what they claim is escrow deficiency to save us roughly {$52.00}. So either they did not do an initial escrow analysis or they did and now in the second year of the mortgage want to change it completely around so as to do us harm. They also in our opinion are purposely dragging their feet so they can cause an escrow deficiency by paying our taxes early in XXXX of XXXX before we can hopefully get them stopped from doing so. There is no shortage if they pay on the due date of XX/XX/XXXX. So a deficiency is what we want to prevent. I am an XXXX XXXX Veteran and my spouse is on a fixed income. So in doing this it would jeopardizes our ability to pay our mortgage, ruining our excellent credit history and putting us out on the street in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX # XXXX is reporting a late in XX/XX/2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: WELLS FARGO & COMPANY
State: OR
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:
XX/XX/XXXX ( 1 Day ) car rental from XXXX for {$110.00} but I was billed for a week @ {$1300.00}. I put the keys to the vehicle in the after hours drop box, documented on my business card the stall/car location, mileage, gas tank full, and time on the card for myself and attached one to the keys. 

I filed a complaint with XXXX the week after on XX/XX/2019 when I received the bill, called XXXX to inform them of the fraudulent and false billing practices but they would not resolve. I provided them a witness statement of the person traveling in the car with me, receipts for fuel at airport, and my parking receipt when I left with my personal car after returning their rental car. 

Information sent to XXXX : The flight was canceled hence renting the car from XXXX to XXXX airport @ XXXX, I have attached a PDF showing what flight I should have been on for reference and XXXX can confirm the cancellation with XXXX XXXX . Please inform XXXX that your system has no return slips if the keys are placed in the drop box after hours ; As previously stated to your colleague and provided I wrote down the return stall location, noted mileage, and full tank of gas information on the XXXX airport business card and made two copies, one for XXXX and one for myself and attached it and my business card to the keys and placed them in the drop box. I informed that last XXXX representative that there was no one around @ XXXX other than the airport janitor, I also had two people traveling with me that were on the canceled flight in the car. I have attached additional documentation of my fuel receipt filling up the car with gas at XXXX in XXXX at the XXXX XXXX next to the airport and my parking receipt when I left the airport @ XXXX. 

I have alerted my credit card company of XXXX 's poor processing practices and false billing. 

I filed a case with my credit card Wells Fargo Visa but they have done nothing other than request invoice from XXXX. The are stating now after months I am responsible for a fraudulent charge that I did not approve or agree to. Wells fargo keeps passing me onto other people and I can not get anywhere with them as their tactic is to keep delaying and moving me to other individuals. I have emailed and called about every week and they will NOT return my calls or do anything to resolve the correct way.

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