BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-03-16
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After contacting by phone Receivable Management Group XXXX XXXX and XXXX XXXX, this letter was mailed to both companies. 

This letter is to formally inform you that I received a notice from Receivable Management Group , Inc. demanding a payment, which is incorrect. The letter is dated XX/XX/XXXX requesting a payment in the amount of {$320.00}. 

I have included a copy of the statement issued by XXXX XXXX on XX/XX/XXXX indicating that the amount due at the time was {$8.00}, which was promptly paid on XX/XX/XXXX. 

In addition, XXXX  XXXX informed me that my credit score had decreased due to {$150.00} reported on XX/XX/XXXX by Receivable Management Group , Inc. 

Based on this information, I contacted your billing department. A representative named XXXX informed me that the balance due today was for approximately {$400.00}, unfortunately I do not recall the exact amount. She tried to explain that both insurance companies paid during XX/XX/XXXX, but such payments were later recalled. She was not able to clarify the reason for the payments being recalled or the date when the funds were sent back. Until today I have not received a copy of document ( s ) showing these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2016 My information was used fraudulently to open a car loan with my personal information. The thief stole my info and opened this auto loan and I have not given anybody authorization, I dont know how my information was stolen, and I dont know who the thief might be. Please process a block on these accounts its outrageous!

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 2023-05-15
Company: Experian Information Solutions Inc.
State: TX
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:
SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR XXXX, XXXX, AND EXPERIAN TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX  ( FINANCE ) XX/XX/ 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a phone call from someone reporting to be with Bank of America. They asked if I was trying t open a new personal checking account which I was not. They then told me that someone knew my name, home address, email address and ss # and was attempting to open an checking account in my name. I received an email from this Bank of America person and then called my advisor at Merrill Lynch who verified that the call from Bank of America was legitimate. I am now taking measures recommended by my Merrill Lynch advisor by freezing my credit with all three credit reporting agencies, etc.

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 2022-10-14
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Had 2 inquiries on credit report from US Bank and Elan Financial Services for a credit card authorization. 

Disputed both and they have stated that their information is accurate. 

Never applied for either and individual who did used an address from 25 years ago.

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 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I only used the Apple credit card for one company XXXX XXXX This company turned out to be a scam. They did not deliver the product because it was a scam. XXXX guarnteed me that I would be secured in this purchase incase this XXXX was a scam. 

I have paid a full balance of {$1600.00} as of XX/XX/2023 to {$0.00} balance. 

I disputed the charges because the XXXX company did not fullfill the delivery of the services. 
Which included XXXXTop page of XXXX Search, XXXX/ Advertisment/ and lifetime serivces. 


On Wednesday Apple Card team at Goldman Sachs, sided with the merchant. They completed an investigation, and contintue to send me bills for this card. In which I paid the balance {$0.00} and cancled the card with the merchant with no futher balances due. I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX my wife and I applied for a FHA XXXX refinance. This process normally takes no more than 60 days however we have still not been able to close due to Freedom Mortgage 's negligence in providing accurate closing documents. Freedom Mortgage has sent a closing agent out 3 times. The first time was in XXXX, XXXX, and with the last time as early as yesterday XX/XX/XXXX. 

The error in question is the failure to have the accurate balance reflected on the subordination agreement and note. We have reached out to several managers as well as the CEO and other executives of Freedom Mortgage and not one executive officer has responded to our concerns. Beginning to think there is XXXX discrimination when you look at the processing time of this simple loan XXXX no credit / no appraisal ) for XXXX borrowers versus XXXX American borrowers.

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 2021-11-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX Medical Data Systems company uploaded an alleged itemized bills, consent and outline for services. While reviewing the documents, there is not a signed Notice of Privacy Practices for XXXX XXXX XXXX for the services outlined in the documents uploaded for the service date. All medical documents you uploaded are for XX/XX/XXXX, HOWEVER the Notice of Privacy Practices for XXXX XXXX XXXX you all provided was for XX/XX/XXXX ( also has a different name signed than the other documents ). Please provide a Notice of Privacy Practices/XXXX to release my XXXX information to you all signed for the date of service. Please delete this information from my credit file. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXXt of 1996 ) to protect my privacy and medical records from third parties. Please see a copy of the documents you provided to me from my first complaint. 

Please delete this 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 2019-09-19
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX On the early afternoon of XX/XX/2019, I paid an international wire fee to my local [ XXXX NY ] branch of Community Bank, N.A. of {$45.00}. to send a wire from my bank account to a friends bank account of {$920.00}. ( Im a retired XXXX and I was trying to provide educational help to a friend. ) The bank deducted {$960.00}. from my bank account, which was normal. 

The money was never deposited into my friends bank account. So, the following week I asked the local branch manager, XXXX XXXX, who sent the wire, to have a search done to determine where the transfer was stuck. ( She told me that Community Bank, N.A., uses the New York XXXX XXXX XXXX bank to send international wires. ) She told me the next day that it could take up to 90 days even to do a trace! 

As of today, exactly 28 days after the transfer was initiated, the money has neither been transferred nor returned to my account. Earlier this week I called the number on the banks website and someone named XXXX told me hed look into it. Nothing happened. 

I, therefore, messaged Ms. XXXX to cancel the transaction and return the {$960.00} to my account. Apparently, she requested that, but she also then informed me that it could take 90 days even to do just that! 

I believe that, if one pays for a service in advance, ones money should be returned promptly if that service is not provided. If you agree with me, I hope that youll treat this complaint seriously. 

Someone has been using my nearly {$1000.00} without my permission for the last month and this situation may drag on for months more. ( Meanwhile, my friend, who was counting on the money, is stuck. ) I would like you please to pressure Community Bank into returning my {$960.00} immediately as well as reasonable interest for the use of my money. ( It may not seem to be a lot of money, but Im living on a fixed income and its a lot of money to me. ) Thank you for your attention. 

Cordially,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to get my money out of Coinbase Wallet. I transferred to XXXX XXXX as I was not having any luck getting it out of Coinbase. I received a phone call stating they were from the company and going to help me. He sent me a form, I mistakenly filled it out and they stole over XXXX. I filed a police report, Ive been in contact with a secret service agent, but no updates or contact. 

I work for a bank. If they got me, they getting dozens of people daily. Any help is appreciated The date was back in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.

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 2023-10-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently was made aware of an account that is not mine I havent given my verbal or written consent to anyone to open such account I have disputed this account multiple times with both the credit bureau and the collection agency but to no prevail I have attached documentation to disputes proving this collection account is not mine but they keep telling me is been verified even tho they wont supply me with the original documentation with my signature binding me to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone stole my ID and other items from my purse. Then they were allowed to withdraw {$1800.00}. On XXXX and {$2000.00}. On XXXX. I called the bank and met with bank Mgr. And filled out an affidavit. I also reported and filed areport with XXXX police. I was finally told my claim was denied, because I failed to protect my ID and account number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Skopos Financial, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Synovus Bank
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was closed and charged off which means the debt was sold! 

XXXX  is reporting inaccuracies from the highest balance This account is very old from 6years ago it's devastating having this appear on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-02
Company: EQUIFAX, INC.
State: NV
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 HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND EQUIFAX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation