BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m ( g ), requires debt collectors to notify third parties that a debt may be fraudulent or may be the result of identity theft. This notification requirement does not apply when the person collecting the debt is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information that would otherwise be required under other provisions of law applicable to them if the consumer wished to dispute such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
We submitted a payment on XXXX XXXX, 2016 for {$300.00} and on XXXX XXXX, 2016 for another {$20.00} to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out {$320.00} total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were still working on it, to give it a few more days. After a couple of weeks of this, we called and asked to speak to someone else. They called our bank as well with us conferenced in and confirmed the payment was submitted and had cleared our account. They said they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after XXXX, 2016, they called us at XXXX stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, XXXX XXXX, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had XXXX reports of the credit card being late and closed with a large balance of {$700.00}. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around {$280.00}. They also offered us a {$75.00} courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Icon Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as Icon Equities , LLC and a debt collector named XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, claims that they are collecting a debt on behalf of a debt buyer named Icon Equities , LLC. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the XXXX of dollars. I demand that my files must be purged by XXXX, Icon Equities , LLC and XXXX XXXX XXXX XXXX XXXX permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
I made XXXX payments to Synchrony Belk Credit Card in XXXX, not realizing XXXX of them did not post for XXXX payment. I kept receiving phone calls from XXXX. XXXX yesterday ( XXXX/XXXX/2015 and XXXX today. I called the number and it was Synchrony bank for Belk. I explained my situation and hey credited my account. But seriously, 3 times in one day is enough, XXXX is ridiculous. I work in an office environment and while my phone is on vibrate it still disturbs others. If this is Synchrony banks process they need to be informed of the consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was {$100.00}. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on a few of my Synchrony accounts. While checking my credit report tonight I noticed that Synchrony now lowered my credit limit on my Lowes card. I recently paid the account down from 68 percent to 2 percent. I guess since they can not make money off of me with zero to low balances they take it upon themself to lower yoir credit limit. Had i known that they would lower my credit limit once i paid the account down i would have paid the money on a different bill. This now affects my utilization scoree. I have been faithful with my Synchrony accounts with no 30 days on any of the accounts except for whatever mix up with the Banana Card. I closed the lowes account after learning of the decrease

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 2017-03-21
Company: SACOR FINANCIAL, INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have a debt collection company trying to collect a debt from XX/XX/XXXX that they purchased from a credit card company. They went to my home state of Louisiana and got a judgement to empty one of my bank accounts without serving me any papers to go to court. and are threatening me now in the state I live in. the debt is 12 years old and past the statue to collect on. and further more XXXX passed a federal law against collection companies doing this in XX/XX/XXXX. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I am one of the victims of Equifax 's XXXX XXXX and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Equifax is reporting inaccurate data on my credit report, stating that I was late XXXX XXXX XXXX XXXX XXXX XXXX. I was not late, for the year of XXXX  and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/2018 which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fees

Complaint:
I received a {$50.00} American Express Prepaid Reward card as a rebate for a purchase in XX/XX/2015. Upon receiving the card, I noted an expiration date of XX/XX/XXXX and have carried it in my wallet ever since. When I went to use the card today, I was shocked to learn that there was only {$2.00} available on the card. 

I have since carefully reviewed the back of the card, which includes the following text : " FUNDS EXPIRE ON THE DATE PRINTED ON THE FRONT OF THE CARD. SUBJECT TO APPLICABLE LAW, A {$3.00} MONTHLY FEE WILL BE ASSESSED AGAINST CARD BALANCE STARTING 7 MONTHS AFTER CARD ISSUANCE. '' In my case, these fees added up to {$48.00}. 

I am disappointed that American Express has taken away 96 % of my rebate amount, when the front of the card indicates the funds do not expire for four more years and there is no asterisk, footnote, or other disclaimer on the front of the card that would cause a consumer to inquire about further restrictions or limitations. Had I not used the card today, the funds would have been entirely depleted next month. Thus, at the very least, the expiration date on the front of the card should read XX/XX/XXXX. 

Furthermore, American Express is certainly aware of whether it will charge such fees " under applicable law, '' while the average consumer is not. In fairness, it would be helpful for American Express to include a web address after this disclosure, pointing cardholders to a page on their website providing more specific information about the fees it assesses for its prepaid cards in each state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Oasis Legal Finance Holding Company, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express has a credit card issued under my SSN with a {$22000.00} limit. It appears in my credit report. I had never applied for this account and its a fraud account. The name/address/dob on the account does not match mine. I have sent Amex a notarized affidavit of Identity, a copy of SSN card, Driver 's License, FTC report, Receipt of police case and an affidavit stating that I have no XXXX XXXX checking/saving account which they claim I have used to pay for this fraud Amex Credit Card Account. I have raised this issue FIVE times and every time they say " Thank you for bringing to our attention the dispute regarding the account referenced above. We have reviewed our records and are unable to accept your claims since you made the payments. Therefore you have accepted liability for the account. Our investigation has revealed that payments have been made from your XXXX XXXX Account Bank ''. I have five such letters with me. 
They refuse to send me the document based on which they concluded that the XXXX account is mine. I do not have any XXXX XXXX checking/saving account and I mentioned that in my notarized affidavit. 
They sent me the transactions on this account for last 2 years and its very obvious that the account belongs to someone in AZ who had used it in the past to buy airlines tickets also ( names of the passengers are in the transactions ) They have refused to close the account, even though I have requested this FIVE times. 
They have refused to send me the XXXX documents unless I attest that my name is the one which appears on their records ( wrong name-wrong person- they are using my SSN ). 
This has been going on for 1 year now. So if the person who has this fraud account under my SSN decides to buy something for {$22000.00} and not pay back - Amex will hold me responsible. 
They want me to get a notarized letter from XXXX XXXX that I have not paid for this account. I can not get such a document as the XXXX XXXX Branch Manager says that they can only give a letter for the accounts I have, but not a letter stating that I do not have any accounts. 
The customer service from Amex has not been helpful at all and they refuse to even do a reasonable investigation or send the documents they have used in reaching their conclusions. 
Its almost like Amex is holding me hostage to Identity fraud and waiting for the fraud account holder to commit a fraud and then go after me for collection. 
I am extremely frustrated with Amex and their harassment.

Company response to consumer: Closed with non-monetary relief