BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit 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:
Fraud detected on a rarely used credit card with a {$6.00} charge in a state thousands of miles away. Bad actor was able to claim to be me by providing nothing but an email address and asked for new cards. Synchrony called me and account immediately halted. Synchrony said they would send me new cards but then they sent NEW cards to the FRADULENT address AFTER we corrected the problem where the bad actors charged {$14000.00} at different XXXX and XXXX XXXX stores in Florida on the same day. XXXX tracking shows Synchrony created the label for the new cards to the fraudulent address 5 hours AFTER my call with Synchrony to halt the action. XXXX  was kind enough to send me a photo of the delivered new cards to the fraudulent address in Florida AFTER my address and information was corrected on file. 
I filed a fraud claim with Synchrony, filed reports with FTC, all three credit reporting agencies and State Police. 
Synchrony DENIED my claim because they stated " I made a payment in XXXX. '' Well, yes, there was a recurring subscription charge on the card that I DID authorize, so I was responsible to pay that. All this fraudulence occurred AFTER I made a legitimate payment. Synchrony refuses to admit their wrongdoing and refused to write off the fraudulent charges. I requested a new claim be opened again. Hurry up and wait .... This is identity theft that they allowed to happen because of poor policies.

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 2024-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I mailed my payment for mortgage to SPS, the servicing company for XXXX XXXX XXXX. I received a automated call on XX/XX/XXXX stating that the payment is due. Again, I sent it on XXXX personally, with the SPS coupon, for a USPS Station. Today is XX/XX/XXXX and no credit of my payments has been made. This is a monthly reoccurence, not posting my payment. Still, after talking to them they say they don't have the payment. I sent SPS a copy of the receipt the USPS gave to me on XXXX, but after tomorrow the payment will be late and therefore show up negatively on my credity report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have previously filed dispute # XXXX with the CFPB. I believe Wells Fargo will try to claim this is a duplicate dispute but it is not. My previous claim mentioned fraudulent charges that were made through the money wiring services of XXXX and XXXX via accounts set up in my name with information stolen from me by scammers. These wire transfers were sent to people I have no connection with in different countries. Wells Fargo only addressed and reimbursed me for the fraudulent charges made via the wire transfer service of XXXX. This dispute relates to the fraudulent charges sent through the wire transfer service of XXXX which were not reimbursed. The fraudulent wire transfers totaled to the amount of {$5900.00}. These wire transfers were sent on XX/XX/23 and XX/XX/23 to the recipients of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have this information because the XXXX account was set up in my name by scammers who stole my personal information and identity. I did not authorize these charges in any way. Wells Fargo should be reimbursing me for these fraudulent charges.

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 2023-12-02
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is 1 alleged debt under my name and credit report with Credence Resource Management. Since the first alleged debt was bought by Credence Resource Management. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to 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 explanation
Consumer complaint received 2024-01-12
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
At the start of Covid I had applied for mortgage assistance XXXX XXXX had me sign a document that would push my mortgage back until I was caught up. The amount was for like {$77000.00} and some change. 
That was the first lien put on my property because I have a VA loan and so that being said there should not be another lien on my property. The first one was signed on XX/XX/XXXX of XXXX to keep me in the home to help me with my payments to lower them, etc. etc. Then on the XXXX month of XXXX XXXX XXXX took it upon themselves without my knowing and my knowledge and a Forge signature, put a second mean on my property for {$21000.00} and some change. I did not find out about it until I started a refinance because I wanted to pull money out so I can do home improvements and to invest into four different investments, and to start my XXXX XXXX well the process started in XXXX the documents were requested in XX/XX/XXXX and the mortgage said OK well get this back to you in seven days. They realize that they put two liens on my property and failed to take it off within 30 days here it is now, XX/XX/XXXX. Now it is XX/XX/XXXX, XX/XX/XXXX, and so on and so forth mortgage has failed to present anything to take the lien off, and the reason is because they committed fraud by them doing this, it is preventing me from getting my four whole life policies which were locked in an age XXXX and 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, Im taking all their assets all of it number XXXX I have XXXX whole life insurance policies that were locked in at XXXX. If those policies go up because Im not able to pay for them because I was going to use my refinance for that then XXXX XXXX is going to pay for that as well separately, so that is why Im reporting this because they filed an incorrect lien on my property for my signature and then recorded it at the staff courthouse and the person is responsible XXXX XXXX XXXX for the notarization and the prepare XXXX XXXX and the problem is there can not be error of reporting because if it was air reporting you missing some XXXX  or adding some XXXX let me one maybe Ive done it a week after this was done months after five months after so this cant be a clerical error. This is fraud to prevent me a person XXXX XXXXXXXX from prefer pursuing life of XXXX and all that this was purposely done XXXX XXXX mortgage to keep me from doing what I need to do

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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I requested an auto-loan directly to Bank Of America XXXX BOA gave me a code to go to XXXX  and get the car. I went and got the car with the approval code. After I got the car i received an email from BOA stating the loan is denied, at the same time the car was defective, so I returned the car to XXXX within the allowed period to return a vehicle which is 30 days. XXXX accepted the car back and we signed a return agreement to be a flat cancel. At this point, I believe BOA have not sent the money to XXXX since they told me by email I was denied. Later when I tried to buy another car, this loan that was denied shows in my credit report as if they approved it, XXXX never sent the money back to them until I realized it is on my credit report and called XXXX and BOA to get this resolved, It should have been a Flat cancel on date XX/XX/. Purchase date was XX/XX/. On date XX/XX/XXXX  I received the email from BOA stating Loan Denied. I had no idea the loan was open until I saw my credit report. 
After I complaint with XXXX and Bank of America it took more than one month for BOA to receive the money from XXXX and close the account. 
Auto-loan account number is 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: VA
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-11-30
Company: EdFinancial Services
State: MD
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:
I have attached a picture for reference but I have made multiple payments on my student loans. My payments keep getting reversed and there is no notification given of when it happens. This is very frustrating because I have more than enough money in my account when these payments are being made. I know for a fact it is not an issue on my banks end. Ive talked to multiple people who are also having this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30
Company: EdFinancial Services
State: MD
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:
We have a Parent Student Loan for our daughter who is a XXXX  at XXXX, with EdFinancial. In XXXX thet moved to a new web platform, and when I logged in the payment history showed only a single payment in XX/XX/XXXX, despite the fact we have made monthly payments in excess of {$14000.00} since late XXXX. I have emailed the company multiple times requesting our records be updated and corrected, have three times uploaded to our account bank records proving the payments were made, and spoke on the phone with a customer service agent yesterday, XX/XX/XXXX. The agent said they could not provide a full loan history because payments before XX/XX/XXXX made on their old platform would not transfer, and that payments after XX/XX/XXXX had to be " investigated ''. She promised to email me confirmation of the correct payment address, but I never received. 

We want a complete loan history and proof that our timely payments have been applied an interest charges have been properly calculated.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX aka XXXX XXXX XXXX aka XXXX possesses countless disputes here that are ignored, refuse to fix, or find a loop hole to get rid of dispute all aimed and intended to do nothing about the false data and to make sure that the false harmful data is always there with maximum harming qualities. 

1. The contract is unenforceable my performance excused because it was the result of fraud and they know it 2. The contract was canceled within the three day statutory time period 3. No payments were ever made 4. Payment for XXXX check XXXX was illegally misused to make fake fraud payments. Violation ca fin code 5. Payment for XXXX check XXXX was illegally misappropriated in breach of contract provisions in the contract enforced Remove this account from my credit file. It contains false fraudulent harmful information and u know it.

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 2023-12-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We took out a mortgage with BMO Harris Bank N.A . # XXXX on XX/XX/XXXX. We have never been late or missed a payment in over 20 years. In fact, we have aggressively overpaid {$400.00} each month on average for over 20 years. Additionally, in XXXX and XXXX we doubled our monthly payments several times. 

One year after obtaining our mortgage, XXXX, our house was destroyed by Hurricane Charlie and we were informed our insurance had lapsed for nonpayment of premium by BMO Harris. We had to sue BMO for intentionally slow payments to our insurance company. At the time BMO had our money in escrow but was playing a float game according to Florida Governor XXXX XXXX. We were out of our home for 3 years while pursuing BMO which put us behind in obtaining a contractor. During those 3 years we never missed a payment. 

Since the hurricane of XXXX we have had Hurricane Ian in XXXX repeat the same path as XXXX. We continue to make our payments plus additional principal reduction amounts. 

BMO has refused to provide the complete payment history of our mortgage. BMO has used multiple servicing companies for our mortgage and refuses to insist on their cooperation. We have paid ahead over {$90000.00} in an effort to satisfy our commitment before our retirement which was 7 years ago. 

BMO confirmed to us at our closing on XX/XX/XXXX that their recast feature was exactly what was in place to ensure we could substantially reduce the term of our note. We have repeatedly requested our payment history to no avail. We hired an attorney who tried multiple times to obtain the information but to no avail. Our attorney advised us that the only course of action was to sue BMO but advised us it would cost thousands and potentially take years because BMO would have their attorneys delay until we ran out of patience or money. 

Please advise us what our course of action and next steps should be to proceed. 

Sincerely, XXXXXXXX XXXX  XXXX 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