BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: SYNCHRONY FINANCIAL
State: TN
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:
In XXXX of 2019, I purchased a desk from XXXX, using my PayPal Credit/Synchrony Bank credit account. Due to an issue with international shipping and customs, the item was never received, and it was returned to XXXX. XXXX 's shipping vendor, XXXX, coded the return incorrectly, and charged me {$370.00} for duties on an item I never received. That was when I filed my first dispute with Synchrony, who, in the end, did not find in my favor. Come to the present, approximately 11 months later, and multiple disputes filed, I am still fighting with Synchrony over the charge. I have provided emails from XXXX stating they will cover the charge, and I even have a recent letter from Synchrony stating the charge was taken care of, only for them to turn around and add it back to my account. I just had to file what I believe may be my 7th dispute with Synchrony.  Synchrony has not once called me, nor have they reached out to the vendor, per my instructions, to claim the refund. Their dispute resolution team does not have a telephone number, nor do they take calls. I have no option but to continue filling disputes every time I am denied my claim. This could have serious negative implications for my credit, as well as my finances. Without a way to contact their dispute team, I am at a loss.

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 2023-05-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been paying off my credit cards and have been checking my credit report because I will like to finally buy something. I notice a change in my credit report saying that I owe on a credit card no knowledge of it and they telling I have to pay it. I have had fraud on my account for years no credit card should be open unless my information is verified. How did this happen? Midland Credit Mgmt says I owe {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, I would like to know if there is a consumer protection law that protects individuals against wrongful foreclosures? 
Wells Fargo did an auto draft from my account twice a month for eleven years. It turns out that Wells Fargo applied my monthly payments to a wrong account for six months and foreclosed on us. I found out that I was being foreclosed on by a piece of mail sent to me from a lawyer stating how to avoid foreclosure. I looked up my credit report to find out I was in per-foreclosure. My wife contacted them and told them what was happening and the Wells Fargo employee stated that they could see on the computer where our money was going, but they could not pull it out of the wrong account and apply it to the correct account because we were in the process of foreclosure. 
There was no written correspondence or phone calls prior to being evicted. Once the foreclosure took place, we were contacted by Wells Fargo 's appointed lawyer and real estate agent, both stated that they wish they could say this was the first time, but it was not. Do I have any retribution? 
We contacted six lawyers and none of them would take the case. They all said that they did not want to go up against one of the big banks. They also stated that in the Commonwealth of Virginia, the state will side of the lender ninety-nine percent of the time. This is wrong and something needs to be done. 
I feel that this all started when my wife inquired about a loan modification and we were told that we did not qualify. Shortly afterwards, we were contacted again and were told that they made a mistake and that we did qualify. My wife resubmitted paperwork and they did nothing with it. It was approximately six months later, we found out that we were being foreclosed on by a mail advertisement. After research, many others have been foreclosed on when they did loan modifications or inquired about it. This information was found on XXXX XXXX website. 

V/R 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
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of XXXX, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... XXXXWells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020. The last Wells Fargo rep replied by verifying checks cashed, again, which not by myself, no funds received. Further, there was no agreement to settlement offers, nothing signed by myself.

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 2023-08-29
Company: EQUIFAX, INC.
State: WI
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:
There is information of a credit card that is closed on all three of my credit reports for a XXXX XXXX XXXX XXXX XXXX 
I was a victim of identity theft and would like the account removed from all three bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am an XXXX  year-old man on a fixed income. I am XXXX  XXXX and am in XXXX  after battling XXXX for the last year and a half. On XX/XX/2020 I was having problems accessing my XXXX XXXX XXXX account on my TV so I asked my cell phone to call XXXX support. My phone said " I found this number for XXXX support on the internet, would you like me to call it? '' and I said yes. A man answered the call and identified himself as an XXXX support attendant. I told him I was having problems and he said he could see the issue but would need access to my computer to fix it. I granted him access. He said there were a number of issues to deal with and that he could see that someone recently purchased an XXXX XXXX on my account. I told him I had not made that purchase. He said he could fix it but would need my credit card number. I gave him the number. He said he accidentally credited my account {$3900.00} so he was going to correct that. He said he took care of the iphone charge but that it was going to take a while to fix my account because someone had hacked my computer and installed programs that were going to steal from me. He said I could go about my business while he worked on the problem. I left the situation and returned the next morning to check my computer. I found that he still had control of my computer. I called him and he said they were still working on the issues. I asked how much longer it would take and he said he wasn't sure so I again left the situation and went about my business. I returned to my computer on Monday, XX/XX/2020 and found that he still had control of my computer. I told him that if he didn't release control I would call the authorities. He released control and I checked my bank account to find that there were a number of credit card cash advances and wire transfers showing on my account. I immediately called the bank ( Wells Fargo ) to report what happened and let them know I did not perform or authorize those transactions. The bank closed my credit card and checking accounts and issued new cards and new checking account number. The bank said that they tried to recover the money wire transferred but when they did the receiving bank said there was no money to recover. Wells Fargo says that's all they can 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 2020-11-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2023-01-11
Company: Genesis FS Card Services, Inc.
State: CO
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:
I received a bill for a credit card from Genesis FS Card Services. It was a Mastercard and the number is XXXX. 
I have no knowledge of this card and did not apply to receive this credit card. 
The balance dates and amounts are during the course of time I was incarcerated in 2021, thus further proving I had no knowledge of this account or card and did not agree to these services. 
The credit line is {$300.00}, the past due amount was {$280.00} and the Over limit amount is {$320.00} Late payment {$40.00} Interest charge purchase {$14.00} Bringing the total balance to {$620.00} I would like this issue to be investigated if there was either possible fraud on the companies part, or the possibility of my ex boyfriend opening accounts without my knowledge and using and hurting my credit during the time of my incarceration in 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CO
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
1 ) Your payment on XX/XX/2020 is pending One of your payments is pending. 

Amount : {$57.00} USD Transaction ID : XXXX Recipient : View the details of this transaction As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. One of the payments that you sent is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. 

2 ) Your PayPal account is temporarily limited Dear XXXX As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$57.00} for, " Happy Birthday : May they all continue being raised according to the ways of the XX/XX/XXXX. '' Please provide the following information : An explanation of the reference to " the ways of the XXXX. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email compliancetransactions@paypal.com. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal , Inc . 


The reference to " ways of XXXX '' is a religious reference for the XXXX XXXX. It was a message wishing my grandchildren be raised to be good XXXX. 

The purpose of this money was a birthday gift. 
MY RESPONSE 3 ) If my account is not unlocked immediately and the payment does not go through as a birthday gift to my daughter, as was my intention, I will be IMMEDIATELY filing a complaint with the CFPB for religious and prejudiced discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Former servicer XXXX approved modification XX/XX/XXXX, and final documents were approved in XX/XX/XXXX, but the servicer changed to Ocwen. When the final documents go to Ocwen in XX/XX/XXXX, Ocwen wouldnt honor the modification. Ocwen acknowledged for the first time ever receiving my Notarized and signed Modification documents on XX/XX/XXXX. For 5years Ocwen kept stating " owner doesnt allow modifications '' in their response to me. But Ocwen wouldnt acknowledge what I sent in XX/XX/XXXX. I want to keep my home, I can afford it. I submitted emails and had many calls to the investor, " XXXX XXXX '', but the bank says they are not the owner of my loan. I do not know who owns the loan because XXXX XXXX, of XXXX XXXX  in XXXX XXXX XXXXXXXX says that XXXX XXXX isnt the owner. Ive had several conversations with XXXX XXXX to help me find out who is the owner of my loan, but XXXX XXXX says, XXXX XXXX isnt the owner. I requested to Ocwen numerous times to please tell me who is the " Owner '' so that I could make a request to modify the loan. Please dont allow Ocwen to sell my home. I have no other place to live. I have been in my home 25years this XX/XX/XXXX, and I need your help. Please help me CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Reporting company used your report improperly

Complaint:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo froze my paychecks from my company account twice ( XX/XX/XXXX and XX/XX/XXXX ). The second time they either notify me about that. They said the company who issued the check had not enough money to pay for, however it was a big lier since I got the movement account and they had enough money to pay. Those movements were showed to a banker/representative. The second time ( XX/XX/XXXX ), I had my money on Saturday XX/XX/XXXX and it suddenly disappeared on XX/XX/XXXX. I showed the movements to the banker again and got my funds however they told me that they will not pay for any compensation for damage as I was informed after reading this articule https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX # XXXX I beg you to solve this matter. Thank you

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