BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am writing to report an incident of identity theft and a fraudulent cash loan that occurred on XX/XX/XXXX. I recently received information from the company " Advance America '' indicating that someone obtained a cash loan using my name in XXXX, XXXX. 

To provide you with relevant background information, I lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX to XX/XX/XXXX. Following that, I traveled to XXXX and resided there for XXXX months. Since XX/XX/XXXX, I have been living in the XXXX XXXX region at XXXX XXXX XXXX, XXXX, CA XXXX, which is my official address. During this period, I have also spent time in XXXX XXXX for XXXX at XXXX XXXX XXXX University. However, I have not returned to the XXXX XXXX in over a year, except for my graduation in XX/XX/XXXX. 

The fraudulent cash loan made under my name is deeply concerning. The perpetrator provided false information to " Advance America, '' including a fictitious email address and fabricated work details. It is important to note that I have not been employed since XXXX as I am a student. Although they attempted to access my bank account, their guess was incorrect. Furthermore, the individual managed to forge a signature that closely resembled mine, but it is still noticeably dissimilar. Despite the fact that the thieves provided incorrect information, they were still able to obtain the credit in cash. This company did not check my information that i provided last year. I didn't even work this year and the thieves gave something written from a fake job. Also, America Advance did not ask for ID to see if it was me or not. 

Given these circumstances, I am extremely worried that someone may be unlawfully utilizing my personal information to obtain credit or loans without my consent. This incident constitutes identity theft and fraud, and I kindly request your assistance in investigating this matter further. I would appreciate any steps you can take to identify the responsible party and prevent any further misuse of my personal information. 

Additionally, I can provide any other documentation or information that XXXX aid your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: CA
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 was affected and harmed by the data breach and discovered misuse of my information.I am now maliciously harmed and damaged by the misconduct & negligence of this agency to whom I hadnt given written approval to sell, collect and or distribute my information- in the first place.Equifaxs negligence led to a security breach exposing my personal identifying information to the dark web and to my identity being compromised and stolen.Equifax offered to help with identity restoration, from the same security site that was breach no thank you and if I were to accept I have not heard anything from them.I would like them to be held at the highest penalty possible.They could care less about the people.They are thieves.I will never be able to fix my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2020, an unauthorized, fraudulent check for {$1900.00} was deposited into my Comerica checking account, by another person without my knowledge or consent in violation of California Penal Code Section 476a, and 18 USC 1344. 

I filed Police Report # XXXX, with the XXXX Police Department in XXXX XXXX, CA, and provided evidence of fraud being used by the other person, I also reported it to Comerica within a timely manner as soon I noticed my account being negative. 

The Comerica Representative investigating my claim of Fraud has improperly determined that I am liable to pay the bank back for the other person committing fraud without my consent, knowledge or authorization. That decision was made in violation of the EFTA, 15 USC 1693g, and other consumer Federal Fraud protection statutes and regulations. I asked a Comerica Representative what fraud protections do they offer and was told they will investigate. I was not provided any explanation of the investigation nor any instructions on how to dispute the liability of another person 's fraud. 

Now Comerica has reported to Chexsystems and debt collection I owe the bank {$1300.00} but the other person accessed my username and password for investment purposes. As a person who makes stock investments, it is common for online investors to provide username and password info to investment institutions and personnel. I have provided that info to other institutions for investment purposes and they didn't deposit a fraudulent check, but one person did without my authorization, so I should not be liable for criminal act of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ONCE AGAIN XXXX XXXX IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP 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 2022-07-08
Company: Experian Information Solutions 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:
A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.

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 2023-09-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I dismissed my sister 's plea to leave Wells Fargo. I kept letting my guard down, even after my identity was stolen twice. Time lines of my demise : Summer of XXXX I received an email from Wells Fargo stating someone used my card information in XXXX TN, at a XXXX XXXX XXXXThe recent incident occurred XX/XX/XXXX. A perp used my name on a loan application at a Wells Fargo Branch, in XXXX NY. No email, phone call from Wells Fargo. They did squeeze out a letter XX/XX/XXXX. Nobody still didn't contact me and say anything. Today I'm still fighting identity theft, fraud. On XX/XX/XXXX I finally made the conscious decision to transition from Wells Fargo. My non- Wells Fargo account was confirmed on XX/XX/XXXX. On Saturday XX/XX/XXXX I tried to transfer funds to my new non-Wells Fargo account. I was met with resistance. A page pops up telling me I needed to identity myself, to call Wells Fargo.This is a joke, considering the fact they wasn't concerned about my identity on XX/XX/XXXX and XX/XX/XXXX. Both cases were thrown under the bus. Both checking and savings account will be closed this month. But why do I need permission to do business on my own account? It's as if they're holding my money hostage, to try to keep me from closing account. These people are crazy, this word is an understatement to describe the folk. There business practices are a definite negative. They wouldn't have put a white woman through this tactic.

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 2021-05-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Public record information inaccurate

Complaint:
Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX  XXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: KY
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SANTANDER HOLDINGS USA, INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Account # XXXX Please help me cfpb Ive disputed this account multiple times with no results I was not given the option to buy back my car and they wouldnt give me information when the car would be sold dispite the fact I called the company multiple times for months according to the FCRA and Arkansas laws, borrowers have certain rights and protections. This includes the right to redeem their vehicle by paying the full redemption amount, which includes all outstanding debts, repossession costs, and the whole loan balance. Furthermore, borrowers have the right to be informed about the sale of the vehicle as well as the time and place of sale. Unfortunately, I was not given the chance to exercise my right to repurchase the vehicle by fulfilling my payment obligations and paying the outstanding balance. Despite my inquiries, this institution did not provide me with the required information and timeline to take advantage of this options which is a violation of my rights as a citizen and if not corrected legal action will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My ticket was opened in XXXX. Ticket number XXXX. At the time around XXXX had been sent from Binance to Binance.US using what was ostensibly a faulty pipeline because Binance.US doesnt accept XXXX. I opened a ticket I was told that an extraction would be performed and would cost around 500 . 6 months later no extraction has been performed and I still do not have my crypto which is now valued over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
Received a Venmo credit card through synchrony bank .card was never used by me, but three large charges were placed on the card when I called to check the balance.

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 monetary relief
Consumer complaint received 2021-05-15
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial Solutions representing XXXX XXXX emergency med has me down for a medical collection in the amount of {$710.00} from XX/XX/2016. Since I have never received any services or have been nowhere within 200 miles of said business this is a fraudulent charge. I feel this is extortion. I have impeccable credit but I refuse to pay for something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased two beds on XX/XX/2022, a side table on XX/XX/2022 and one other bed on XX/XX/2022. The first two beds and the side table were delivered to our address in XXXX, Florida. The thirds was scheduled to be delivered to our home in XXXX, Texas ( this was also supposed to be delivered in Florida ). We were told it is our mistake even though the order was placed by a Macy 's representative over the phone. We decided to return all the furniture and requested a refund. The bed being delivered to Texas was never delivered and the beds and side table that were delivered to Florida was going to be picked up. 
After several phone calls and multiple hours spent with Macy 's representative in different departments and different parts of the world, the piece of furniture were picked up in XXXX separate pickups. We have requested for a refund as none of the beds or the side table were opened from their original packaging. 
Macy 's have give us every excuse under the sun, are in position of the merchandise and are refusing a refund. 
Macy 's credit card refused to place the debits in dispute or provide us a refund.

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 monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
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 do not recognize the inquiries on my credit report listed in the id theft report EXPERIAN 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 XXXXXX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN, XXXX, XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: NV
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:
Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 explanation
Consumer complaint received 2023-01-21
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I was attempting to rent a room from XXXX but there was fraud. I was skeptical of the payment issue however the disclosures with Wise, the company I am submitting a complaint on, state that I could cancel within 30 minutes unless the money has been paid out. In the disclosures it states it usually Takes up to 4 working days. Because of this, I submitted the transfer with the understanding that I would have a cancellation window to verify the transaction. After confirming there was fraud. I attempted to cancel within minutes and was told it was too late because the money was sent in 4 seconds. I find this deeply misleading and unfair as it is clearly impossible to cancel in 4 seconds and the disclosures state that it takes 4 days. Now they are trying to hold me accountable while refusing to acknowledge that their process is deeply flawed.

Company response to consumer: Closed with explanation