BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}

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 2021-07-20
Company: Novad Management Consulting LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Me and my attorneys have contacted Novad Consulting for a copy of my payoff statement since XX/XX/XXXX. It is now XX/XX/XXXX. I have had the case escalated by multiple managers and they continuously tell me to wait. Two months later my buyers are about to drop out of my home purchase because we cant provide a statement to close. Extremely unprofessional and Im disgusted by the way Im treated when I call! I need my statement! They always say they cant do anything! They need to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: WELLS FARGO & COMPANY
State: FL
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:
XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Fl, XXXX Security Deposit Refund Request ( Third Letter ) I am writing this letter pursuant to Section XXXX, Florida Statute ( XXXX ), requesting the return of my Security deposit, which is {$400.00}, to refund my security deposit and/or provide an itemized statement listing the amounts that XXXX XXXX XXXXXXXX has withheld. 
As of XX/XX/XXXX, I have not received my security deposit or an itemized statement. XXXX in XXXX has illegally held my deposit for 6 months, so I can proceed with a small claims action to get my deposit back. 

Wells Fargo ruled the claim inadmissible, because the company told them that they were application expenses, when we attached the certificate indicating that it was for a deposit and to date the company does not want to return the money for an apartment that we never received. It was assigned and we never lived

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 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I entered a consumer credit transaction with Capital One and extended Capital One my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

As stated in the FCRA ( Fair Credit Reporting Act ) the following is to be EXCLUDED from my consumer report : FCRA 15 USC 1681a ( 2 ) ( B ) Any authorization or a SPECIFIC extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a Credit Card under FCRA 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card I used was my social security card to originate every consumer transaction. 

I attached a copy of an email that I received from Capital One on XX/XX/2021. Capital One was contacting me via email regarding a debt that is alleged. As described in FCRA 15 USC 1681a the definition of debt is as describe obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The email shows that I have an alleged debt of {$1100.00}. The email also shows my banking account information in the email which is an invasion of privacy as described in FDCPA 15 USC 1692 ( a ). An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). 

I am demanding that you removed all transactions from my report immediately and XXXX out the account balance as they are a violation of my rights as a Federally Protected Consumer under Title 15 Chapter 41 and that the negative payment status on my report from XXXX be changed to a Positive Status. Im also attaching an invoice so that Im compensated for the damages that you all have caused. FDCPA 15 USC 1692k ( a ) ( 2 ) ( A ) : Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 can't be affected by things that don't belong to me, I need this to be removed immediately XXXX XXXX  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 non-monetary relief
Consumer complaint received 2017-05-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am battling stage  XXXX   XXXX   XXXX . I was being cared for at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service.     We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative "  XXXX  '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  CA  XXXX .     I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the  XXXX  day cycle expires in an attempt of confusing us and by missing  XXXX  of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ).     All we have asked both from  XXXX   XXXX   XXXX   XXXX  and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

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 2023-03-30
Company: GOLDMAN SACHS BANK USA
State: GA
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:
I did not open this credit card account with apple. The phone number, address, and email they have on file is not mine and the first specialist I spoke to over the phone clarified this. I was told to dispute this with the bureaus, so why did Goldman Sachs close my last complaint without resolution?! I feel extremely violated, and will not be responsible for an account that is not mine. That is against federal law. I am extremely upset and stressed that my information has been tampered with. 

After I disputed the account an unknown address appeared on my credit report-XXXX XXXX  XXXX XXXX XXXX ga XXXX XXXX I have never lived there or know who lives there. 

I submitted my FTC report and identification to Goldman Sachs and the credit bureaus. This account is a result from identity theft, again, I am not responsible for this account. 

Please refer to 15 USC 1681C-2 ( A ) " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information ''. 

This is straight from the government website bonded by the United States Government. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$130.00} to settle the account with Amex. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. XXXX XXXX  received the check on XX/XX/2020 at XXXX am and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, AMEX is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 

Thank you so very much for your help and your time with this matter. I know your time is very valuable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXX 's XXXX using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I filed a police report with my local police department XX/XX/21 & XX/XX/21 XXXX XXXX are the reference numbers. XXXX is not willing to conduct their own investigation. I contacted PNC bank XX/XX/21 & XX/XX/21 who I have contacted denied my investigation without ever recieveing evidence from me. They claimed to send me a questionaire, that didnt arrive and within 3 days of them sending it. It was denied and they said it was an error on their part because they couldnt have sent the letter on a Sunday. Pnc dispute number XXXX. I am not being treated fairly. I have all the evidence of these interactions via screen shot, and voice recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX CFPB this email is for you CFPB to keep it or use I already submit over the phone my complain do not send this unles is nescesary I explain here what is on the record you can send it if you think is the best thank XXXX Consumer Financial Protection Bureau. 


1. the report I send is the last report EXperian send to me. Total fake. 
I am so indignate by Experian, and all is in this report, not only I Denied. 
All information EXPERIAN provite on this report, I GOT SICK ABOUT. 

2. Before I Start, I need you to be aware, that this is XXXX XXXX, with out notice, I stop to take my daily XXXX, for 6 dyas, I forgot to eat 4 days.Whatever EXPERIAN resolution will be, I WILL not accept. they crooss over the line, that is not the place, I love, I will not stand back to those behevior, that destroy, Not only my life, they are destroying my country United States of America. 

3. This report is not the same, they have online, or the one they show me. 

4. On this report they not say what is the total amount I OWE, that is on the online, account the amount of {$5900.00} 5. At this moment they are not aware that I am in contact with you. unlees you told something to then. 
6. On this report, not only, show all the negative Items, from before, they ad more negative accounts, with out care. 
7. On this report, they try to show some charity, the wors way to do something like that. 

XXXX {$5900.00} XXXX XXXX XXXX and XXXX XXXX XXXXXXXX are the same acounts since XXXX, Show 1 payment of {$120.00}, ,when I ALL ready pay {$380.00} plus {$170.00} XXXX XXXX acoount, I CLOSE, on XX/XX/XXXX First report XX/XX/XXXX They repited again as a collection updated I GUESS XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX number XXXX are the same $ {$2400.00} {$2400.00} XXXX XXXX XXXX XXXX this acounts are tthe same accounts, also please i want you to post all my dispute, u can change as the best behevior to help some one else i am terrify ( XXXX, ) BUT i do not want some else lfeel what i feel right 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
You must remove this account that I disputed previously I did sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Prosper Marketplace, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I cant use my debit card to make a payment on my loan. They want to get my routing number and drain my account dry.

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 2022-09-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Through covid I was having a hardship with work and my credit card companies sent my accounts to collections. Now my credit score is ruined and Im trying to get a house and I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: TN
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:
A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with experian and with XXXX with no help from neither

Company response to consumer: Closed with explanation