BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.

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 2017-11-27
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received letters from MCM attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX XXXX XXXX XXXX ( Statute Account ) Letter received is dated XX/XX/XXXX from MCM MCM XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from Enhanced recovery XXXX XXXXXXXX in the amount of {$920.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made 5 transactions totaling {$500.00} ( {$100.00} each ) to coinbase on XXXX for crypto using XXXX i only recieved 1 out of 5. I've tried contacting coinbase with 5 different emails and no one responds to emails or answers the phone. Attached is the purchases I made using XXXX on XXXX. Also my transactions from coinbase which shows only one went through. I tried disputing the charges with XXXX and they can not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27
Company: Credit Karma, LLC
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:
I attempted to Register with Credit Karma via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized Credit Karma in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with XXXX, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of XXXX when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas XXXX has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX XXXX  in XXXXl ( XXXX  XXXX University ) and I opened an account in the XXXX  XXXX XXXX to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company Xoom.com. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the Xoom.com company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Quantum3 Group, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor XXXX XXXX was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from Quantum 3 Group, LLC. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for Quantum 3 Group, LLC and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at Quantum. She informed me that they represented XXXX XXXX. I told her the debt that we had with XXXX XXXX was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that XXXX finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that XXXX XXXX had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for Quantum 3 Group, LLC to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of Quantum 3 Group, LLC on behave of XXXX XXXX, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/XXXX I received an email from Convergent Outsourcing stating that I owe {$340.00} to XXXX and that collection activity will stop if I pay 40 % of the total balance due. However, I have no debt with XXXX, and would like for Convergent to stop contacting me. 

Bellow is part of what was sent to me via e-mail from Convergent stating what I " owe '' Your Account Summary : Creditor : XXXX, XXXX Convergent Account # : XXXX Amount Owed : {$340.00} Reduced Balance Amount : {$130.00} This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. 

Sincerely, XXXX XXXX Questions about Convergent? 
Visit convergenthelp.com Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan earlier this year and set up automatic monthly payments. I was than told my loan was sold to SunTrust ( a company I have never heard of and do not trust ). I received mail but since I did not know the company I assumed these were fraudulent. I than started to receive notifications that my mortgage was over due. As far as I knew I had automatic deposit occurring. Please also note that I am a healthcare provider and a single mother. I have not been micro managing my checking account since I do not have time... I have now spent over an hour with Sun Trust on the phone trying to figure out who they are... I was told they are around for a few years. What ever that means. I have also attempted to sign up for online access and they blocked my account... I am now sitting on hold for another hour waiting to talk with someone about unblocking my account so that I can see what is going on. I am more than upset that I have to be waiting my time when this was NOT my issue. I continue on hold...

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 2017-11-27
Company: Academy Mortgage Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.

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 explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion is blocking me from unfreezing my credit, this is the only company that gives me a hard time when I try online it gives me a suspended screen. Also when I can it say that its unable to process the request. and hangs up its going on for about a week now. I have my XXXX digit pin, I don't see why I need to talk to someone overseas " their customer services '' to do a simple unfreeze without trying to get a subscription. Also you are reporting inaccurate and injurious credit information. As you are no doubt aware, credit reporting laws ensure that credit bureaus report only accurate credit information. Please delete this misleading information in order to show my true credit history.15 USC 1681a ( XXXX ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this need to be removed now. 
15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. 
15 USC 1681a ( XXXX ) ( b ) Exclusions from a consumer report include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have never given any authorization or approval.15 USC 1692b ( XXXX ) you may not state that I owe a debt. 
Furthermore, I request that you send a corrected copy of my credit report to me and all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2020-05-04
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my home through Wyndham Capital Mortgage. The mortgage agent, XXXX XXXX, Senior Mortgage Consultant ( NMLS XXXX ). I was told that my credit scores are XXXX, XXXX, and XXXX ( XXXX, XXXX, and XXXX respectively ). Credit scores were pulled XX/XX/2020. My XXXX score was XXXX as of XX/XX/2020. When I pulled my scores, they are significantly higher ( XXXX, XXXX, and XXXX ). I requested the documentation behind their scores and I am awaiting them in the mail. The variance in these scores, places me below XXXX which means my rates are higher and there is more rigor in deciding my fate for a refinance of my home. I have worked with credit companies and mortgage companies and never have encountered a variance this high. I pressed XXXX for clarification on these scores and he verified that they were indeed XXXX scores and that my credit score is different form credit monitoring. I understand that and let him know that I pulled the score directly from XXXX today XX/XX/2020. I am concerned that other factors not on my credit report or monitoring may be taken into account and I don't know what those factors are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation