BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello I have had an apple card for close to 1 years now, recently someone tried accessing my apple ID, and tried to reset the password, I was diligent enough to stop them accessing my account but they called apple used my information and requested that my card account be closed on XX/XX/2023, they also reported charges I made for a video game I play online through a client called Steam, I contacted apple fraud and told them multiple times that someone tried accessing my account while I was talking to them I notified apple if anyone is trying to change my information it was not me. the next day before I leave work as I go to use my card to get an XXXX XXXX, noticed my card account was closed, I stayed up till XXXX on the phone with apple card services, and they keep telling me that I called earlier and requested that my account be closed, I said that's impossible I was at work from XXXX I had no way of contacting them, I contacted fraud and they said they will look into it, fast forward a week later and I'm talking to fraud and the said that I called verified my information and closed my account, which couldn't be further from the truth I asked if there was a way I could further verify who I was aka birth certificate, social security card or bank statements, files that only I could have access too, and they kept saying there was nothing I could do and I would have to re apply to get my account back, obviously very upset about what was happening, I put a freeze on my credit reports and put out a fraud warning across all accounts, then the next day I noticed some strange activity on my capital XXXX account, someone called pretending to be me and changed the card number on XXXX of my credit cards, Immediately called XXXX XXXX back and let them know I didn't call them to change my card number asked them to heighten security around my account because I just issued a freeze, I have an Experian account with fraud detection, and have just signed up for XXXX 's XXXX which XXXX signed XXXX the freezes with ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX alert, utilities security, payday loan lock ) I signed up for multiples freezes because I am scared of who has my information, I believe with apple card services was not being helpful at all, and I'm at risk of my credit hurting because of this, and its not my fault. though my XXXX account I'm notified of when my information is on the dark web and I have gotten notification recently that my email and password was out there as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Resurgent Capital Services L.P.
State: TX
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:
To Whom It Concerns : A collection agency, LVNV Funding purchased XXXX separate long since " closed and written off '' accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) probably for {$100.00} each. My complaint is that LVNV funding, has been allowed, at the credit bureau ( XXXX ), to adjust the original amounts of final debt and dates of such debt. with the original creditors. Such adjustments have changed the " seven-year reporting timeframe '' of such debt ( extended the dates of eventual removal of such debt and added dollar amounts to the original debt that were not incurred with the original creditors ). Such reporting is unfair and inaccurate. 

I am requesting that the original reported dates and amounts by the original creditors be reported, not LVNV Funding 's dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While travelling to XXXX XXXX, XXXX from XX/XX/2023 - XX/XX/2023, I noticed the morning of XX/XX/2023 that my debit and credit cards were used fraudulently to purchase the following : {$3000.00} for construction materials, {$2300.00} for groceries, {$1600.00} at a candy store, {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. I immediately called the bank reporting the transaction and they cancelled my cards, issued new ones, and let me know Id hear back from them in XXXX business days. 

This week, XXXX, XXXX, XXXX, I received a response from my bank, Wells Fargo, that the claim was denied for my two credit cards. I called the bank on Wednesday ( XX/XX/2023 ) morning asking them to turn over the documentation used as part of the investigation. They mentioned they didn't have any but made their decision based on the fact that I had the cards with me the next morning that I realized the charges had occurred. However, the bank said they would re-open the case and review my transaction history and reach out to the merchant and let me know their decision in XXXX business days. The charges to these XXXX cards were the following : {$3000.00} for construction materials, {$2300.00} for groceries, and {$1600.00} at a candy store. 
This morning, XX/XX/2023, I reached out to Wells Fargo after realizing the claim on my debit card had been denied as well. They mentioned that because the card was not cloned, they determined that no fraud had occurred. The charges on my debit card were the following : {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. 

While in XXXX XXXX, I attempted to file a police report, however the police were unwilling to create a report due to 1 ) I not being able to pinpoint exactly where the charges came from and 2 ) because I didnt have the proper XXXX documentation, such tax id, XXXX voting card, etc. In addition, I attempted to file a police report at my local police station in XXXX XXXX, CA but I was unable to due to the crime occurring outside of the country. However, I have filed a report with the U.S. Embassy and Consulates in XXXX and are waiting to hear back.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
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 did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My wife and I got all our information stolen. Someone opened a loan with this company called XXXX/UAS. I found out I was victim of a fraud months later where even my bank account was stolen. I filed a bunch of paperwork with this company including a police report and a fraud claim and they last almost a year without giving me a response. I sent a lot of emails in a frequent basis and call them at least three times a week. I explained them that I never head about either XXXX  or UAS before checking my credit report. The companies have done nothing and they keep telling me that they spoke with someone in the email address XXXX which is not an email on use by me. I asked them to send me the contract or some kind of promissory note and until this date nothing. I being fighting with this company for over a year. 

My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.

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 2023-06-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: AR
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 was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2023-01-25
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY
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:
Couple of years ago, my student loan was transferred to XXXX. I was enrolled on an XXXX XXXX XXXX XXXX. As requested by XXXX, I was making my students loan payments on a timely manner. In the early part of last year, I had financial difficuties and I contacted XXXX to see what I can do. The Representative I spoke to told me that she will have my student loan in pause because of the XXXX and XXXX XXXX student loan pause that was in effect. 
XXXX XXXX, I received a collection call from Aspire Servicing Center that my loan was one month defaulted. I tried to explained that my loan was in pause with XXXX. She told me that XXXX was no longer in business. I futher explain to her about my financial hardship and also informed her I was not working due to a car accident that I had. She continued to ignored me. I further requested information about the transition of my loan, As of today 's date, all I have received are statements of late and accumilations of non payments of my student loan. I have called and also send letters via regular mails and cerified mails to Aspire to explained my concerns, my request has gone nowhere. Instead, all I havereceived are statements which far more exceeds my XXXX XXXX XXXX that was originally with XXXX. XXXX Aspire Servicing Center has destroyed my credit and I am frustrated and dont know what to do. 
Please, I will appreciate and greatful for your assistant to resolve and rectify 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
Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo has been my mortgage carrier since XXXX. I have a conventional, fixed rate mortgage with PMI. I am now trying to cancel the PMI as I know the cost of my home increased. I applied for the PMI cancellation and paid for an appraisal from the Wells Fargo approved evaluator, XXXX XXXX. XXXX conducted the appraisal on XX/XX/XXXX and responded via email on XX/XX/XXXX with the result ( see documents attached XXXX. According to XXXX XXXX my home value has increased and the amount assessed qualifies for PMI cancellation. Wells Fargo is not approving the cancellation until after my 2 year mortgage closure on XX/XX/XXXX. According to Wells Fargo, my investor, XXXX XXXX, requires appraisal value only on terms of structural improvements. Please see page XXXX as the communication is contradictory. I 've spoken to a representative and manager at Wells Fargo already. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to access my loan information via their website, XXXX XXXX XXXX The XXXX  part of their website is broken and not letting me get in to obtain my loan information for tax purposes. Their " customer service '' is off, so I don't know where to turn. It seems like these loan companies can just do whatever they want without any repercussions. I just want access to this loan so I can do my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX , XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
d ) Any person transferring the servicing of indebtedness as provided in subdivision ( a ) to a different servicing agent shall provide to the new servicing agent all existing insurance policy information that the person is responsible for maintaining, including, but not limited to, flood and hazard insurance policy information.XXXX XXXX XXXX XXXX So did you pay ins or taxes when you miss applied, absconded with, or otherwise negligently put XXXX XXXX into an escrow account! Or later stole, embezzled, and refused my demand to return that XXXX XXXX amount. 

Wheres the money!!! Where did u apply my escrow? Did you pay taxes or ins. You took the money. Where did it go. And stop blaming the servicing company for your theft of my XXXX XXXX that you STOLE from me. The escrow I DEMANDED return of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Square Inc
State: PA
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:
I contacted y'all on XX/XX/20 to dispute a payment from XXXX XXXX {$99.00}, and I never got an email back about disputing it. I need to dispute it Because they billed my card without my permission. I can't get ahold of the company because they were a fraud company and shut down their business after taking people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I provided Great Lakes CEO with Notorized Affadavit that I am denying the loan and I refuse to pay. I have evidence as a consumer of Cease and Desist letter that have been ignored. 
I have itemized over XXXX violations to Great Lakes the debt collector. 
I have received a receipt they have received my request and they have refused to comply with the Federal Laws 15 USC 1692 A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: GA
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:
in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX 

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 a account without my written instructions

Company response to consumer: Closed with explanation