BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Fairway Independent Mortgage Corporation
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Laon Modification was approved XX/XX/2020 and was given 3 trial period payments. I made all three payments on time and my modification paperwork was filled out and notarized and immediately returned to fairway. I was told that all paperwork was received and that they were just waiting on the underwriter to approve. This was all in XXXX and I was informed that this process will take 30 days. It is now over the 30 days and I have been receiving weekly calls from my single point of contact XXXX. Every call from XXXX has been the same, informing me that there is no update and they are still waiting for the underwriter to approve. Fairway has had all of the approved information for months now and I am concerned that they are holding off the approval and waiting for interest rates to increase so that I will not switch lenders after the modification is approved and final. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
The following items are reporting inaccurately on my credit file : Incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XXXX, XXXX The following items are a result of fraud : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian & XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; Bal : {$360.00} ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$6100.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$200.00} ( XXXX  ) XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$18000.00} ( Experian )

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 2023-06-20
Company: Prosper Marketplace, Inc.
State: GA
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:
I was recently advised that my Prosper credit card and XXXX XXXX card were closed. In regards to the Prosper account, I was 30 days late and once I attempted to make a payment on XXXX XX/XX/XXXX I learned my account was closed. I called to question and I was advised that my credit was run again ( which I feel was unnecessary because I already had an established account since XX/XX/XXXX ) and that they determined I was no longer eligible so they closed the account. 
XXXX XXXX accepted my payment on XX/XX/XXXX and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: GOLDMAN SACHS BANK USA
State: TX
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:
Subject : Appeal for Disputed Transaction - XXXX Dispute case number : XXXX Transaction date : XX/XX/2022 Dear Goldman Sachs Apple Card Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed transaction made through my Goldman Sachs Apple Card. The transaction in question is related to a purchase that was made from XXXX, an online service provider. 

To provide you with an accurate overview, I mistakenly filed the dispute as " item not received '' instead of " unauthorized transaction. '' I apologize for any confusion caused by this error. The transaction in question, amounting to {$560.00}, was unauthorized, and I did not initiate or authorize this payment. I re-read the documentation that was supplied by merchant and I noticed that cardholder name and billing address on their file does not match my current file with Goldman Sachs. 

Upon realizing my mistake, I promptly contacted XXXX to rectify the situation. However, they have been unresponsive, which further strengthens my belief that this transaction was indeed unauthorized. 

I kindly request your assistance in reevaluating my case and reconsidering the denial of my dispute. I understand that Goldman Sachs Apple Card takes customer satisfaction seriously and values its customers ' trust. As a loyal customer, I trust that you will thoroughly review my case to ensure a fair and just resolution. 

I apologize for any inconvenience caused by my initial misclassification of the dispute. I genuinely believe that this transaction was unauthorized, and I am hopeful that you will reconsider your decision based on the updated information provided. 

I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to Ally and XXXX to report that this matter was STILL on my report in XXXX which I created a dispute. Ally turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called XXXX asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to XXXX and they referred me to your website for help. XXXX agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?

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 2023-06-02
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 Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

I am not liable for collection with XXXX XXXX XXXX neither do I have a contract with them. I do not owe them {$340.00} and I ask to be removed off my credit report and collections to be removed IMMEDITLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted equifax and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX Auto Financing XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged debt collection attempt by XXXX XXXX XXXX. Through XXXX XXXX, a creditor named " HUNTER WARFIELD '' assumed the debt. Though it is unclear if the debt was sold first, or owned originally by a foreign entity, it is absolutely an invalid debt. While I am a resident of the city and state of the stated debt, I believe the company or creditor, Hunter Warfield, is attempting to collect a debt owed by someone with a similar or same name as myself. At the time of the stated occupation, I was living in an apartment complex on the opposite side of town. This can be verified through rental agreements, utility statements, etc. While I am not contesting the validity of XXXX XXXXXXXX XXXX residing at XXXX XXXX XXXX  I AM contesting, with extreme prejudice, that the aforementioned XXXX XXXX is not the same person as myself. I have attempted to dispute this debt directly through the creditor, through XXXX XXXX, XXXX XXXX, XXXX XXXX, and several others over the courese of the past 5 to 6 years, i have been unsuccessful. This is my only option, and have suffered extreme financial and residential losses due to this oversight. Though my complaint may fall short of succeeding in helping myself, i have hopes that others can learn to protect themselves from the surreptitious collection attempts by an unqualified debtor on an honest working class citizen. please, help me or advise me of my rights and a prudent course of action. Thank you in advance, XXXX XXXX. 

creditor : Hunter Warfield account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I mailed a written request to Transunion for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
No company nor XXXX, XXXX, or Experian has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask XXXX, XXXX, Experian to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.

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 2022-04-30
Company: WELLS FARGO & COMPANY
State: GA
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:
Opened a secured credit card at Wells Fargo with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called Wells Fargo, all 3 credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid an account with Truist via their online portal for the full amount on XX/XX/23 for {$2700.00}. SunTrust did not process my payment timely. I called SunTrust on XX/XX/23, concerned that my XXXX payment wasn't processed as made XX/XX/23 the next business day of XX/XX/23. 

I called in the payment to a representative since the payment portal would not take my monthly payment. The XXXX payment was submitted to a representative who did not see my account ending in XXXX on her system. The monthly payment was confirmed on XX/XX/23 with transaction # XXXX. 

I did not get an email notification of the error payment made by Truist for {$380.00} or the actual payment I authorized on XX/XX/23 of {$2700.00}. 

The Truits online payment portal is malfunctioning, processed payments that are not authorized {$380.00} ), and it does and did not notify me of payment in time to correct and make sure there is no late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX I reported to Venmo that an account was open in my name fraudulently and never heard back from the customer service rep I spoke with. After the account was opened up XXXX more accounts were opened up in my name fraudulently as well which were reported to the FTC and Venmo. These accounts were not fine and I need to know how and why they were opened without my approve. I never agreed to open them nor did I sign any agreement with Venmo. I opened my first account with Venmo in late XXXX which should be the only account for me. Any transactions that were made from the prior XXXX accounts I reported were not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Complaint against Sequium Asset Solutions- Violation of Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Sequium Asset Solutions , a debt collector, for their violation of my protected consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I noticed an unauthorized collection entry on my consumer credit report from Sequium Asset Solutions. To my dismay, I have not received any prior notice or correspondence from Sequium Asset Solutions regarding an alleged debt. This lack of communication deprived me of the opportunity to dispute the debt within the given time frame, as required by the FDCPA. 

The FDCPA explicitly mandates that debt collectors must send consumers a written validation notice within five days of their initial communication, detailing the amount owed and the creditor 's identity. However, I have received no such communication from Sequium Asset Solutions.

I firmly believe that Sequium Asset Solutions has failed to adhere to the guidelines set forth by the FDCPA, which are in place to protect consumers from unfair debt collection practices. This not only constitutes a breach of my rights but has also caused undue stress and XXXX  due to the unjustified entry on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against Sequium Asset Solutions. I seek redress for the damages caused, and I hope that your intervention will result in a prompt resolution to this issue. 

I eagerly anticipate your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am going through a short sale of my home and I was promised a relocation assistamce amount to help me move. An investor was purchasing the property and wanted the house vacant before closing, I moved out of the property only for the investor to back out of the deal. My realtor found another investor in a week and we were under contract. 

As of today, PHH Motgage and XXXXXXXX XXXX have disagreed to give me the relocation assitance because the home is vacant ( at no fault of my own ). 

My realtor and I have spoken with countless representatives at PHH mortgage and have not been able to rectify this situation. 

I am XXXX XXXXXXXX XXXX and this bank ( who used to ne Ocwen ) illegally foreclosed on my home back in XXXX  and had to recind the foreclosure after I caught the illegal activity done by the bank. 
I can go on an on about what this bank has done to me. The sole purpose of this complaint is to make consumers aware of this " so called '' investor XXXXXXXX XXXX and PHH mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: MN
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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

Company response to consumer: Closed with explanation