BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a victim of identity theft. Someone used my maiden name and old address to open a paypal synchrony bank credit card account in XX/XX/2019. I did not find out about the account until the thief ran up charges and did not pay the bill and my credit score dropped in XX/XX/2019. I filed a dispute immediately. The entire account is fraudulent, not just one charge. I did not create the account. I did not make any of the purchases. The bank declined my fraud claim twice now based on an inaccurate investigation on their end. They claim the account was open for more than one year and I benefited from it. By their own records, it has been open less than one year and they have provided no proof that I benefited from it. They have not requested any supporting documentation from me despite my follow-up calls and letters. I can prove when I changed my name and moved to demonstrate that I did not create the account. I filed an FTC identity theft report.I put fraud alerts on my credit bureau accounts. I had nearly perfect credit prior to this incident. It is crystal clear from my credit history that I would not and did not open this fraudulent account and fail to make payments.

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 2020-12-17
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I realized that the mortgage payments I made in the last few months on a loan serviced by LoanCare LLC had not been applied to my account when I received a letter from LoanCare LLC saying that my account was delinquent. 

However, I have been making payments in the same manner through electronic transfer via my bank, XXXX XXXX, for many years. 

I have bank statements showing that the monthly payments were withdrawn from my account on the days listed below. Previous statements can also be referenced to demonstrate consistency in the way the payments were sent to LoanCare. 

The statements show payments of {$950.00} on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 A payment was made XX/XX/2020, but a statement is not yet available for this month from my bank. 

XXXX XXXX representatives confirmed that these payments were sent to LoanCare LLC.

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 2020-02-12
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX - XXXX XXXX  XXXX - {$1000.00} All other bureaus have processed my request with the exception of Equifax. Equifax continues to ignore my request to remove this account after informing them of the identity theft case. I have sent request month after month with documentation and they still continue to not honor my request. I do have the documentation where XXXX has removed the account from my report on XX/XX/XXXX but Equifax still continues not to do this. This account is not my account and it was removed from all the others. I have attached a copy of my equifax report that shows under collections the account, I have also attached the letter from XXXX with the date attached to show it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Mobiloans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Mobiloans charges usurious interest rates and fees. They try to hide under the tribal cloak to avoid following state law. I called to see if I could set up a payment arrangement/hardship program to potentially lower interest or stretch payment out and they said that they do not offer this and would have to make full payments when they are due.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and Trans Union asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

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 2020-02-12
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:
XXXX and Transunion are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-03-06
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I received this email after providing my personal and bank details. 
please help me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Office Of The U.s Treasury department Address : XXXX XXXX XXXX XXXX Washington, DC XXXX, United States Of America. 
Office in contact : XXXX XXXX XXXX XXXX XXXX XXXX, Commissioner of the U.S. Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ). 
Email : XXXX XXXX Phone Number ; XXXX Hello XXXX XXXX, How are you doing today and how is your family? I write to give you a positive update about your already transferred funds ( {$950000.00} ) The transfer has been confirmed positive and the Federal Reserve account has been debited of {$950000.00} in other words you are {$950000.00} richer. 

I just got a notification from the Internal Revenue Service IRS as regards the interception on your funds reflection demanding for tax clearance of your already funds transfer, according to IRS it is mandatory that for such transfer to ascertain reflection within and outside the United States of America, tax must be observed please check attached document. 

I have made provision to ensure your funds hit your account same day of payment so I will advise you download attached, read carefully and proceed with the payment of the procurement of the Tax procurement document which is {$950.00} with details as below to the secretary of the IRS : Bank Name : Wells Fargo Bank XXXX : XXXX XXXX XXXX XXXX Va XXXX Account : : XXXX Swift : XXXX Account name : XXXX XXXX Account holder address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TN XXXX I will be waiting to hear from you thus the payment details or payment slip after fee has been paid. 

I will plead with you to ensure you donate to the orphanage home when your funds hit your account because they need our help. 

XXXX XXXX XXXX XXXX XXXX, XXXX of the U.S.

Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ).

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 2020-02-12
Company: EQUIFAX, 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX- Reported : XXXX XXXX, XXXX + {$8900.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$22000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX - {$720.00} Needs Attention The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 Synchrony Bank blatantly closed all Store and General Purpose Visa & Mastercard Accounts with them when I Refinanced a mortgage and Paid 5 of the credit cards with Synchrony down to less than 1 %. I have never been late with any payment and all account are even set up on automatic recurring payments. I refinanced a mortgage and paid off some credit card debt. So my debt to income was actually lower for my new mortgage payment would be lower. 

The same time they closed all accounts they received over XXXX XXXX dollars in payments for accounts ( XXXX XXXX, XXXX and XXXX ). 

The mortgage with XXXX for XXXX had been paid off in full which was a monthly payment of {$890.00}. It was replaced with a mortgage of XXXX with a monthly payment of {$660.00}. 

Again XXXX had not update my report so both mortgage were being shown, I informed Synchrony of this to no avail.

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 2018-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX XXXX on the dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), CONTEMPORARY INFORMATION ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and 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 non-monetary relief
Consumer complaint received 2021-09-13
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
M & T Bank acted more egregiously than impersonating law enforcement : They abused tax payer dollars and send multiple police to my HOME attempting to collect a debt that I had been trying to pay for 4 months. 

In addition, I had informed them that I was out of the country MULTIPLE times, and they had the police harass my tenant anyway. 

I have been attempting to get answers about this abuse for months now, and they NEVER address my concerns. 

Absolutely filthy behavior.

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 2019-09-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit cards is not reporting to my credit report 2 XXXX cards XXXX credit card XXXX credit card XXXX  credit card Also I am an authorized user on a XXXX credit card Also I am authorized user of a XXXX 's credit card Also authorized user on a XXXX XXXXXXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: World Acceptance Corporation
State: WI
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:
I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions 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 recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: ME
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:
Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
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 2021-12-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$960.00} order # XXXX. I used the machine for the first time in XXXX and discovered the machine did not work. The products would not freeze. I contacted XXXX XXXX by phone and email in XXXX ( correspondence attached ) and provided them with pics and video as they requested. My issue was not resolved, and I asked for a full refund of funds, and was told by XXXX XXXX I would have to pay to have the unit shipped back. I obtained a quote and the quote as over {$600.00} to have the unit shipped back, which I believe was excessive and not fair as a consumer. I then asked for the manufacturer warranty since the machine should be covered under those warranties and received nothing. XXXX XXXX provided me with a defected product and wants me to be over half the cost to get it shipped back to them, without providing any additional solutions. This is not fair and this company should be investigated. I disputed this information through PayPal, and advised them to have XXXX XXXX send me warranty information but they did not. They closed the account, because I didn't provide the tracking information confirming I shipped the product back for over 600 which I informed PayPal and XXXX I could not afford 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 monetary relief
Consumer complaint received 2019-05-01
Company: Monarch Recovery Holdings, 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: Old information reappears or never goes away

Complaint:
This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old

Company response to consumer: Closed with explanation