BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: SYNCHRONY FINANCIAL
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Several times today ( XXXX ), I attempted to access my account online, but kept getting error messages stating that I did not have authorization to access the account " on this server. '' I called Synchrony Bank and talked to two different people to try to resolve this problem, including an alleged bank manager named XXXX, but they refused to fix the problem. In fact, both of them hung up, the first ( XXXX ) when I asked to speak with a supervisor, and then XXXX, when I demanded that they give me access to my funds on deposit so I can pay my bills. What should have taken less than two minutes to accomplish online has now turned into an hour-long hassle, with still no resolution to the problem!

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 2020-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX my income lowered, filed bankcrutcy and other hardships been trying to work with SPS to either modify loan or give me a short sale approval. Ive hired XXXX XXXX XXXX XXXX  in XXXX XXXX to help sell the home and they had multiple offers in the house and over 7 offers submitted to Lender. We have never stopped communicating with SPS and we have pages of notes from Realtor and costumer service reps. Sale date was postponed sevral times in order to get short sale approval and things got worse after XX/XX/XXXX when Covid hit. Buyer has diligently provided all forms needed and seller too, things were put on hold a little after XXXX but Realtor kept calling in XX/XX/XXXX the called was simple ( we have everything we need - only need updated XXXX and realtor gave phone number etc ) Realtor kept waiting on call from XXXX XXXX and never came in since there are very strict restrictions In CA there are steps we need to take to have a XXXX done. To keep it short in XXXX still waiting, XXXX still waiting and XXXX comes and last week XXXX we receive a call that investor closed the short sale and there will no chance to reopen and they will foreclose in XXXX even do the mratorium in CA is until XXXX we need help, the buyer is still interested and seller is willing to short sale. Lets close this please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-10-22
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I initiated a transfer using Xoom a XXXX service, of {$5000.00} ( usd ) from my XXXX XXXX account to my XXXX account at XXXX  XXXX XXXX. I am a XXXX citizen and have made similar transactions in the past successfully and without incident. The money never arrived notwithstanding that on XX/XX/XXXX Xoom withdrew the money from my XXXX XXXX account. XXXX  XXXX  XXXX XXXX insists they received no such transfer and there have been no deposits to that account in weeks. I have complained to Xoom in writing daily now for 7 days. They have called me twice and basically tell me its not their problem. So from my point of view they have stolen $ XXXX from my account and I have no recourse. I should add I used their app to make this transfer request. The app allows you to resend money to an international account that you have already used without re entering the prior information. So if this transfer got corrupted, it was corrupted by their technology. I have sent documents Xoom has requested. But their response is a complete abdication of any responsibility which calls into question how they can be legally allowed to offer this service. I am at a loss as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2023-03-08
Company: MoneyLion Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied and was approved for a credit builder loan in XXXX. All payments were made on time. On XX/XX/2022, they put a new loan in my name that negated the previous loan. MoneyLion has now reported both loans as DELINQUENT on all of my credit reports. I have contacted the company over twenty times and emailed my bank statements. They have not helped in any way. I want the second loan taken off my account and I will resume paying for the original loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in XXXX XXXX XXXX in XXXX Arizona from XXXX - XX/XX/2016. I gave the leasing a 5 day notice to fix or I would be released from lease. The apartment had toxic mold beneath bathroom sink and washer/ dryer. You could not breathe in that apartment and they refused to do anything and I had kids in that house. My daughter and I were constantly in the hospital because of XXXX problems so we moved out when nothing was done. I gave them my phone number and forwarding address and told them I was moving out. I never received any documentation from them or anyone. A year later I checked XXXX XXXX and found they reported a {$7600.00} collection from national credit services without ever notifying me I owed a debt. I have tried disputing this with them and the credit bureaus but get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I advised this company remitly i was a victim of identity theft someone stole my identity and open profiles in there company sent money from my business account to overseas falsificate documents and I want them to refund my money and closed any profile they have of my name XXXX XXXX XXXX or my company XXXX  of there site I submitted police report I never authorized someone to open a profile in this company any transactions auhthorize are fraudulent and product of theft I never open a account I sent police report this company allows theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 there was a wire transfer of {$20000.00}. And, then followed by another on XX/XX/XXXX in the amount of {$30000.00}. 
Both of these wire transfers were made with out my authorization. When I found out ( 2 days after the second transfer ), I called Chase to report. They told me to file an affidavit and a police report. It took months before they finally accept the affidavit and the police report. However, they never contact me after that. I always have to call to check on the dispute ( at least 10 times ). On XXXX, they told me it was approved but I have to wait at least 10 business days for them to put the money back to my account, but they never did. I called them back. A lady answered the phone and she said it was denied. I was in shock. That lady told me whoever said that the money was approved, was wrong. Then she asked me some questions such as what kind of a phone do I have? Have I been in XXXX XXXX? Do I always have the phone with me?. I truthfully answered all her questions. She told me they will work on the dispute again. A week later, I called again they told me to give them 10 more days. Today XX/XX/XXXX, I called Chase, a man told me they have made the final decision, my dispute was denied. According to them, I use my phone to accept the transfers. I never did that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: MoneyLion Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was charged for a Moneylion membership fee and loan payment in XX/XX/2019. I notified my bank that this was fraudulent charges as I'd never heard of this company or applied for a loan. My bank issued me a new debit card and canceled the payments ro this company. This account is still listed on my credit report and is hurting my credit score. I have never requested or received funds from this company. I called the company Moneylion and XXXX, who I spoke with, asked for all my personal info. I gave her the info I felt was pertinent and she stated a fraud claim would be filed. She said their fraud department would contact me via email to complete investigation. No email has been received. I have worked very hard to maintain a 100 % payment history and this company is ruining this and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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 belongs to someone else

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: IN
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:
A credit provider ran my credit for a home loan without my consent.

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 2020-12-06
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:
I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Atlanticus Services Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen and multiple credit cards was opened in my name using my social security number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report today XX/XX/XXXX because I got an alert from experience about a change shows IC systems for XXXX in the amount of XXXX. This account was open fraudulently. I was told account was open back in XXXX for a month when I called. I don't have have XXXX services. This account was open fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Your listing that XXXX XXXX account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is 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 2021-01-25
Company: Mercedes Benz Financial Services
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill for account MERCEDES-BENZ FINANC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAVALRY INVESTMENTS, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got notice of this debt via calvary portfolio by mail one time, the paperwork had no information about where this debt came from. I tried resolving this by contacting calvary portfolio directly and they told me that they didn't have any records of the debt at the time which left me in a position to not be able to track down where this is coming from. However, on my credit report calvary portfolio is still showing up as a derogatory collections mark and is hurting my progress trying to rebuild my credit. I have no knowledge of where this debt is coming from or what it could be and its been almost a year or more of this negative mark keeping me from improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased airline tickets in XXXX XXXX 2017, in the amount of {$1900.00} for travel on XXXX XXXX XXXX. On XXXX XXXX my flights were cancelled due to a pilot strike on the airline, XXXX. I requested reimbursement by the airline on that date, which I was told I would receive within 30 days. After 30 days of not receiving my refund, I disputed the charge with my credit card company, Capital One, and was told on XXXX XXXX, that I would be receiving the refund within 3-5 business days. I questioned if the funds could be send directly to me, rather than refunding my credit card ( which would put my credit in positive ) and was told that after 30 days if there is a positive balance on my card, that I would receive a check. on XXXX XXXX, I have no received a credit. I called Capital One to follow up and was told that my request is under review, because it is outside my XXXX XXXX or 120 XXXX days since purchase. I explained that the cancellation occurred well passed that window, and was told that I was given incorrect information by the previous customer service representative that told me that it would not be a problem in the least. now, I am here 2 weeks later with no refund from my credit card company that I purchased the flights from.

Company response to consumer: Closed with explanation